Largest lenders in Adair County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Alliant Bank | C | 82 | 59 | 8.5% | — |
| 2 | Equity Bank | A | 53 | 41 | 11.3% | 6.00% |
| 3 | Flat Branch Mortgage | A | 52 | 42 | 1.9% | 6.63% |
| 4 | Geneva Financial | C | 46 | 30 | 0.0% | 6.75% |
| 5 | U.S. Bank | D | 45 | 24 | 28.9% | 7.13% |
| 6 | Rocket Mortgage | C | 43 | 34 | 16.3% | 6.63% |
| 7 | DAS Acquisition Company | B | 28 | 17 | 10.7% | 6.88% |
| 8 | Mortgage Research Center | C | 27 | 14 | 14.8% | 6.38% |
| 9 | 21st Mortgage | F | 18 | 3 | 38.9% | 9.74% |
| 10 | Connections Bank | A | 15 | 14 | 0.0% | — |
| 11 | United Shore Financial Services | B | 12 | 10 | 16.7% | 6.61% |
| 12 | AmeriSave Mortgage | D | 11 | 4 | 63.6% | 6.25% |
| 13 | Pennymac Loan Services | C | 7 | 4 | 14.3% | 7.00% |
| 14 | Freedom Mortgage | B | 7 | 3 | 14.3% | 6.38% |
| 15 | Newrez | D | 7 | 0 | 14.3% | — |
| 16 | Broker Solutions | D | 6 | 4 | 0.0% | 6.88% |
| 17 | Loandepot.Com | D | 6 | 1 | 0.0% | 6.99% |
| 18 | USAA Federal Savings Bank | C | 5 | 2 | 0.0% | 6.44% |
| 19 | Commerce Bank | D | 5 | 3 | 40.0% | 6.46% |
| 20 | NBH Bank | C | 5 | 4 | 0.0% | 7.95% |
| 21 | Lakeview Loan Servicing | C | 5 | 0 | 40.0% | — |
| 22 | Vanderbilt Mortgage and Finance | F | 5 | 0 | 80.0% | — |
Best approval odds in Adair County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alliant Bank | 73 | 9.6% |
What Adair County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Adair County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 509 | 282 | 20.8% | 6.99% | $105,000 |
| 2024 | 550 | 324 | 17.5% | 6.88% | $115,000 |
| 2025 | 623 | 381 | 14.9% | 6.63% | $125,000 |
Frequently asked questions
14.9% of applications in Adair County were denied in 2025, against 15.1% statewide in Missouri.
Alliant Bank, with 82 applications in 2025 and a denial rate of 8.5%.
The median mortgage application in Adair County in 2025 was for $125,000; the median property value on originated loans was $205,000.