Missouri · HMDA 2025
Mortgage lenders in Stone County, MO
250 lenders reported 2,063 home-loan applications in Stone County in 2025. 1,172 closed as loans ($301.8M), 287 were denied — a 19.0% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 18% of applications, led by The Central Trust Bank. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,063
- Loans originated
- 1,172
- Purchase / refinance
- 620 / 354
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stone County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Central Trust Bank 69 out of 100, Moderate | 138 | 6.7% | 10.4% |
| 2 | Arvest Bank 57 out of 100, Moderate | 117 | 5.7% | 18.5% |
| 3 | Rocket Mortgage, LLC | 110 | 5.3% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 80 | 3.9% | — |
| 5 | 21st Mortgage Corporation | 61 | 3.0% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 60 | 2.9% | 39.5% |
| 7 | FLAT BRANCH MORTGAGE, INC. | 60 | 2.9% | — |
| 8 | Southern Bank 70 out of 100, Strong | 48 | 2.3% | 5.8% |
| 9 | Generations Bank 63 out of 100, Moderate | 46 | 2.2% | 9.9% |
| 10 | Great Southern Bank 73 out of 100, Strong | 45 | 2.2% | 24.6% |
| 11 | NEWREZ LLC | 44 | 2.1% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 2.1% | 14.1% |
| 13 | Mortgage Research Center, LLC | 41 | 2.0% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 36 | 1.7% | — |
| 15 | GERSHMAN INVESTMENT CORP. | 34 | 1.6% | — |
| 16 | Simmons Bank 60 out of 100, Moderate | 33 | 1.6% | 26.5% |
| 17 | Loandepot.Com, LLC | 30 | 1.5% | — |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 1.4% | — |
| 19 | Broker Solutions, Inc. | 29 | 1.4% | — |
| 20 | UNITED SHORE FINANCIAL SERVICES, LLC | 28 | 1.4% | — |
| 21 | AmeriSave Mortgage Corporation | 28 | 1.4% | — |
| 22 | BluCurrent Credit Union 65 out of 100, Moderate | 28 | 1.4% | 15.7% |
| 23 | Commerce Bank 76 out of 100, Strong | 26 | 1.3% | 33.2% |
| 24 | NATIONSTAR MORTGAGE LLC | 19 | 0.9% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 0.9% | — |
| 26 | FREEDOM BANK OF SOUTHERN MISSOURI 73 out of 100, Strong | 18 | 0.9% | 4.9% |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 17 | 0.8% | 32.9% |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 0.8% | — |
| 29 | Cadence Bank | 16 | 0.8% | — |
| 30 | Regions Bank 64 out of 100, Moderate | 15 | 0.7% | 43.1% |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 0.7% | — |
| 32 | PHH Mortgage Corporation | 15 | 0.7% | — |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 0.7% | — |
| 34 | Bank of America, National Association 59 out of 100, Moderate | 14 | 0.7% | 44.7% |
| 35 | Ameris Bank 67 out of 100, Moderate | 14 | 0.7% | 10.5% |
| 36 | Old Missouri Bank 62 out of 100, Moderate | 13 | 0.6% | 5.3% |
| 37 | AMERICAN FINANCIAL RESOURCES, INC. | 13 | 0.6% | — |
| 38 | DAS Acquisition Company, LLC | 13 | 0.6% | — |
| 39 | Oakstar Bank 69 out of 100, Moderate | 13 | 0.6% | 4.7% |
| 40 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 0.6% | 22.2% |
Top 40 of 250 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Missouri
- St. Louis County 43,125 apps
- Jackson County 32,622 apps
- St. Charles County 21,238 apps
- Greene County 13,657 apps
- Clay County 13,000 apps
- Jefferson County 12,164 apps
- St. Louis city 10,443 apps
- Boone County 7,197 apps
- Cass County 6,061 apps
- Jasper County 5,553 apps
- Christian County 5,034 apps
- Platte County 4,802 apps