Largest mortgage lenders in Missouri
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 10,460 | 7,481 | 18.4% | 6.63% |
| 2 | Flat Branch Mortgage | A | 8,999 | 7,301 | 0.9% | 6.63% |
| 3 | Guild Mortgage | A | 7,388 | 5,462 | 2.5% | 6.63% |
| 4 | U.S. Bank | D | 7,190 | 3,622 | 32.8% | 7.63% |
| 5 | The Central Trust Bank | C | 7,022 | 4,768 | 9.7% | 6.63% |
| 6 | United Shore Financial Services | B | 6,710 | 5,338 | 8.0% | 6.55% |
| 7 | Communityamerica Credit Union | B | 5,843 | 3,721 | 16.8% | 6.49% |
| 8 | Mortgage Research Center | C | 5,734 | 2,901 | 15.6% | 6.25% |
| 9 | Broker Solutions | D | 5,007 | 2,619 | 7.8% | 6.88% |
| 10 | Commerce Bank | D | 4,905 | 2,488 | 27.2% | 6.72% |
| 11 | Pennymac Loan Services | C | 4,610 | 2,580 | 12.1% | 6.38% |
| 12 | First Community | F | 4,377 | 2,436 | 25.6% | 5.95% |
| 13 | DAS Acquisition Company | B | 4,130 | 3,201 | 2.5% | 6.75% |
| 14 | Freedom Mortgage | B | 3,946 | 1,814 | 8.2% | 6.25% |
| 15 | Bank of America | F | 3,487 | 1,520 | 30.0% | 6.24% |
| 16 | Newrez | D | 3,424 | 1,311 | 18.2% | 6.63% |
| 17 | Arvest Bank | C | 3,204 | 2,139 | 15.0% | 6.88% |
| 18 | Fairway Independent Mortgage | B | 3,034 | 2,363 | 3.7% | 6.63% |
| 19 | First State Community Bank | C | 2,851 | 1,937 | 12.6% | 6.88% |
| 20 | AmeriSave Mortgage | D | 2,434 | 636 | 61.4% | 7.25% |
| 21 | Gershman Investment | B | 2,317 | 1,690 | 6.3% | 6.63% |
| 22 | Regions Bank | C | 2,308 | 1,188 | 33.8% | 4.99% |
| 23 | Navy Federal Credit Union | D | 2,262 | 1,087 | 20.8% | 6.63% |
| 24 | Leaderone Financial | D | 2,189 | 1,526 | 8.0% | 6.63% |
| 25 | Loandepot.Com | D | 2,183 | 1,185 | 28.4% | 6.88% |
Best approval odds in Missouri
Lowest decision denial rate among lenders that decided at least 300 Missouri applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Family Finance Mortgage | 305 | 0.0% | 6.63% |
| 2 | First State Bank of St. Charles, Missouri | 1,585 | 0.0% | 6.50% |
| 3 | ASSEMBLIES OF GOD Credit Union | 334 | 0.9% | 6.88% |
| 4 | Flat Branch Mortgage | 7,463 | 1.1% | 6.63% |
| 5 | Community Mortgage | 714 | 1.5% | 6.38% |
| 6 | Delmar Financial | 779 | 1.5% | 6.63% |
| 7 | Sullivan Bank | 484 | 1.7% | 7.50% |
| 8 | Geneva Financial | 607 | 1.8% | 6.75% |
| 9 | Mid-Missouri Bank | 395 | 2.5% | — |
| 10 | Stifel Bank and Trust | 1,573 | 2.5% | 6.38% |
Lowest median rates in Missouri
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Simmons Bank | 461 | 4.99% | 26.8% |
| 2 | Regions Bank | 1,188 | 4.99% | 33.8% |
| 3 | First Community | 2,436 | 5.95% | 25.6% |
| 4 | American Financing | 108 | 5.99% | 43.3% |
| 5 | Planet Home Lending | 376 | 5.99% | 18.4% |
| 6 | Village Capital & Investment | 413 | 5.99% | 12.0% |
| 7 | UMB Bank | 787 | 5.99% | 23.8% |
| 8 | LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans | 129 | 6.12% | 9.4% |
| 9 | U S Wide Financial | 101 | 6.13% | 1.5% |
| 10 | Midland States Bank | 115 | 6.13% | 19.9% |
What Missouri borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Missouri applications were denied
Missouri mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 189,828 | 118,478 | 16.6% | 6.99% | $155,000 | 1,007 |
| 2024 | 210,540 | 131,527 | 16.2% | 6.88% | $165,000 | 993 |
| 2025 | 234,238 | 146,780 | 15.1% | 6.63% | $175,000 | 1,023 |
Missouri counties
Counties with at least 200 applications in 2025, most active first.
St. Louis County37k
Jackson County27k
St. Charles County18k
Greene County11k
Clay County11k
Jefferson County10k
St. Louis city8.8k
Boone County5.9k
Cass County4.8k
Jasper County4.5k
Christian County4.0k
Platte County3.9k
Franklin County3.6k
Camden County2.9k
Buchanan County2.8k
Lincoln County2.7k
Cole County2.7k
Cape Girardeau County2.5k
Johnson County2.2k
St. Francois County2.1k
Newton County2.0k
Pulaski County2.0k
Taney County2.0k
Warren County1.7k
Stone County1.6k
Callaway County1.5k
Webster County1.5k
Laclede County1.5k
Pettis County1.4k
Lawrence County1.4k
Phelps County1.2k
Polk County1.1k
Lafayette County1.1k
Butler County1.1k
Barry County1.0k
Scott County1.0k
Howell County867
Miller County838
Henry County791
Benton County765
Randolph County759
Clinton County751
Morgan County740
Audrain County733
Ray County731
McDonald County642
Stoddard County608
Marion County600
Crawford County577
Texas County576
Dallas County571
Perry County562
Washington County552
Ste. Genevieve County531
Saline County510
Adair County490
Vernon County482
Andrew County461
Wright County446
Bates County441
Cooper County412
Moniteau County404
Pike County373
Osage County363
Dunklin County354
Nodaway County350
Cedar County339
Gasconade County339
Ripley County303
Hickory County295
New Madrid County295
Dent County272
Madison County266
Linn County253
Howard County244
Livingston County240
Macon County239
Bollinger County238
Maries County229
Montgomery County226
Iron County219
Caldwell County209
Pemiscot County209
DeKalb County208
Frequently asked questions
15.1% of mortgage applications in Missouri were denied in 2025 (18.7% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Missouri in 2025: 10,460, with a denial rate of 18.4%.
Among lenders that decided at least 300 applications in Missouri, Family Finance Mortgage had the lowest decision denial rate at 0.0%.
The median interest rate on loans originated in Missouri in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.