Missouri · HMDA 2025
Mortgage lenders in Vernon County, MO
103 lenders reported 682 home-loan applications in Vernon County in 2025. 333 closed as loans ($57.5M), 145 were denied — a 29.2% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 18% of applications, led by Arvest Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 682
- Loans originated
- 333
- Purchase / refinance
- 175 / 116
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Vernon County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Arvest Bank 57 out of 100, Moderate | 42 | 6.2% | 18.5% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 39 | 5.7% | 39.5% |
| 3 | GERSHMAN INVESTMENT CORP. | 39 | 5.7% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 38 | 5.6% | — |
| 5 | Rocket Mortgage, LLC | 34 | 5.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 32 | 4.7% | — |
| 7 | FLAT BRANCH MORTGAGE, INC. | 32 | 4.7% | — |
| 8 | Community National Bank & Trust 65 out of 100, Moderate | 32 | 4.7% | 5.6% |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 30 | 4.4% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 26 | 3.8% | — |
| 11 | Great Southern Bank 73 out of 100, Strong | 20 | 2.9% | 24.6% |
| 12 | NEWREZ LLC | 19 | 2.8% | — |
| 13 | Mortgage Research Center, LLC | 17 | 2.5% | — |
| 14 | LimeBank 81 out of 100, Strong | 13 | 1.9% | 11.8% |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 1.8% | — |
| 16 | DAS Acquisition Company, LLC | 12 | 1.8% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 1.6% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.5% | 14.1% |
| 19 | Citizens Bank | 9 | 1.3% | — |
| 20 | Mid-Missouri Bank | 8 | 1.2% | — |
| 21 | Gateway First Bank 54 out of 100, Below average | 7 | 1.0% | 5.3% |
| 22 | NEW DAY FINANCIAL, LLC | 7 | 1.0% | — |
| 23 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 1.0% | — |
| 24 | Old Missouri Bank 62 out of 100, Moderate | 6 | 0.9% | 5.3% |
| 25 | SOUTHWEST STAGE FUNDING, LLC | 6 | 0.9% | — |
| 26 | PLANET HOME LENDING, LLC | 6 | 0.9% | — |
| 27 | Click n' Close, Inc. | 6 | 0.9% | — |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.9% | — |
| 29 | FCS Financial, FLCA | 6 | 0.9% | — |
| 30 | 21st Mortgage Corporation | 5 | 0.7% | — |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 5 | 0.7% | 44.7% |
| 32 | Community First Bank 67 out of 100, Moderate | 5 | 0.7% | 4.9% |
| 33 | NATIONSTAR MORTGAGE LLC | 5 | 0.7% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.7% | — |
| 35 | PHH Mortgage Corporation | 5 | 0.7% | — |
| 36 | FREEDOM BANK OF SOUTHERN MISSOURI 73 out of 100, Strong | 5 | 0.7% | 4.9% |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.6% | 32.9% |
| 38 | Discover Bank | 4 | 0.6% | — |
| 39 | GUILD MORTGAGE COMPANY | 4 | 0.6% | — |
| 40 | SPRING EQ, LLC | 4 | 0.6% | — |
Top 40 of 103 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