Largest lenders in Audrain County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | C | 109 | 74 | 13.8% | 6.63% |
| 2 | Flat Branch Mortgage | A | 94 | 72 | 1.1% | 6.56% |
| 3 | Rocket Mortgage | C | 50 | 38 | 6.0% | 6.81% |
| 4 | United Credit Union | D | 49 | 21 | 32.7% | 6.63% |
| 5 | First State Community Bank | C | 44 | 34 | 13.6% | 7.25% |
| 6 | Mortgage Research Center | C | 31 | 18 | 9.7% | 6.38% |
| 7 | Commerce Bank | D | 29 | 15 | 17.2% | 6.88% |
| 8 | DAS Acquisition Company | B | 24 | 20 | 0.0% | 6.63% |
| 9 | AmeriSave Mortgage | D | 21 | 3 | 71.4% | 6.13% |
| 10 | Freedom Mortgage | B | 18 | 7 | 16.7% | 6.63% |
| 11 | Pennymac Loan Services | C | 15 | 3 | 20.0% | 6.75% |
| 12 | The Bank of Missouri | C | 15 | 11 | 13.3% | 6.96% |
| 13 | U.S. Bank | D | 14 | 7 | 35.7% | 6.63% |
| 14 | Midwest Mortgage Associates | B | 14 | 11 | 0.0% | 6.50% |
| 15 | HomeBank | A | 14 | 14 | 0.0% | — |
| 16 | Broker Solutions | D | 13 | 4 | 15.4% | 6.93% |
| 17 | Newrez | D | 12 | 2 | 16.7% | 6.68% |
| 18 | The Callaway Bank | A | 12 | 11 | 0.0% | — |
| 19 | River Region Credit Union | A | 10 | 9 | 10.0% | — |
| 20 | Loandepot.Com | D | 10 | 4 | 50.0% | 7.62% |
| 21 | HNB National Bank | B | 9 | 8 | 11.1% | 7.00% |
| 22 | United Shore Financial Services | B | 9 | 5 | 22.2% | 6.50% |
| 23 | Thompson Kane & Company | A | 8 | 6 | 0.0% | 6.63% |
| 24 | American Financing | D | 8 | 3 | 50.0% | 7.13% |
| 25 | Community State Bank of Missouri | B | 8 | 6 | 12.5% | — |
Best approval odds in Audrain County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Flat Branch Mortgage | 73 | 1.4% |
| 2 | The Central Trust Bank | 89 | 16.9% |
What Audrain County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Audrain County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 619 | 378 | 15.8% | 6.99% | $105,000 |
| 2024 | 704 | 404 | 19.0% | 6.75% | $115,000 |
| 2025 | 844 | 492 | 17.9% | 6.63% | $125,000 |
Frequently asked questions
17.9% of applications in Audrain County were denied in 2025, against 15.1% statewide in Missouri.
The Central Trust Bank, with 109 applications in 2025 and a denial rate of 13.8%.
The median mortgage application in Audrain County in 2025 was for $125,000; the median property value on originated loans was $185,000.