Largest lenders in Barry County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Freedom Bank of Southern Missouri | A | 148 | 136 | 4.7% | — |
| 2 | Arvest Bank | C | 120 | 67 | 22.5% | 7.00% |
| 3 | Rocket Mortgage | C | 91 | 61 | 22.0% | 6.63% |
| 4 | Flat Branch Mortgage | A | 67 | 56 | 0.0% | 6.63% |
| 5 | Vanderbilt Mortgage and Finance | F | 47 | 6 | 27.7% | 9.75% |
| 6 | Mortgage Research Center | C | 42 | 20 | 14.3% | 6.63% |
| 7 | Broker Solutions | D | 29 | 6 | 13.8% | 6.87% |
| 8 | CS Bank | A | 29 | 24 | 6.9% | — |
| 9 | Gershman Investment | B | 26 | 22 | 3.9% | 6.63% |
| 10 | Pennymac Loan Services | C | 25 | 11 | 24.0% | 6.00% |
| 11 | AmeriSave Mortgage | D | 23 | 12 | 43.5% | 6.56% |
| 12 | 21st Mortgage | F | 22 | 5 | 50.0% | 10.62% |
| 13 | Freedom Mortgage | B | 22 | 8 | 4.6% | 6.25% |
| 14 | Loandepot.Com | D | 22 | 6 | 54.6% | 7.18% |
| 15 | Commerce Bank | D | 20 | 7 | 55.0% | 8.75% |
| 16 | U.S. Bank | D | 18 | 7 | 55.6% | 8.35% |
| 17 | New Day Financial | F | 17 | 4 | 17.7% | 6.74% |
| 18 | United Shore Financial Services | B | 15 | 8 | 20.0% | 6.69% |
| 19 | Nationstar Mortgage | C | 12 | 10 | 16.7% | 8.00% |
| 20 | DAS Acquisition Company | B | 11 | 9 | 0.0% | 6.63% |
| 21 | Spring Eq | D | 11 | 3 | 36.4% | 10.00% |
| 22 | American Financial Resources | B | 11 | 7 | 0.0% | 7.13% |
| 23 | Bank of America | F | 10 | 3 | 50.0% | 6.88% |
| 24 | Peoples Community Bank | B | 10 | 8 | 20.0% | — |
| 25 | UMB Bank | B | 9 | 6 | 11.1% | 5.99% |
Best approval odds in Barry 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 | 56 | 0.0% |
| 2 | Freedom Bank of Southern Missouri | 146 | 4.8% |
| 3 | Rocket Mortgage | 84 | 23.8% |
| 4 | Arvest Bank | 95 | 28.4% |
What Barry County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Barry County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 971 | 585 | 17.4% | 6.99% | $135,000 |
| 2024 | 1,094 | 636 | 19.5% | 6.99% | $135,000 |
| 2025 | 1,265 | 746 | 18.5% | 6.75% | $155,000 |
Frequently asked questions
18.5% of applications in Barry County were denied in 2025, against 15.1% statewide in Missouri.
Freedom Bank of Southern Missouri, with 148 applications in 2025 and a denial rate of 4.7%.
The median mortgage application in Barry County in 2025 was for $155,000; the median property value on originated loans was $255,000.