Largest lenders in Bates County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 48 | 41 | 6.3% | 6.38% |
| 2 | Community First Bank | – | 39 | 38 | 0.0% | — |
| 3 | Rocket Mortgage | C | 36 | 24 | 25.0% | 6.75% |
| 4 | Citizens Bank | – | 35 | 32 | 5.7% | — |
| 5 | Pennymac Loan Services | C | 26 | 19 | 11.5% | 6.49% |
| 6 | Flat Branch Mortgage | A | 19 | 12 | 10.5% | 6.56% |
| 7 | Adrian Bank | – | 19 | 15 | 0.0% | — |
| 8 | Freedom Mortgage | B | 16 | 5 | 12.5% | 5.75% |
| 9 | Fairway Independent Mortgage | B | 14 | 6 | 7.1% | 6.63% |
| 10 | Mortgage Research Center | C | 14 | 5 | 21.4% | 6.50% |
| 11 | Leaderone Financial | D | 14 | 13 | 0.0% | 6.63% |
| 12 | Plaza Home Mortgage | C | 12 | 11 | 8.3% | 6.50% |
| 13 | U.S. Bank | D | 11 | 2 | 45.5% | 9.11% |
| 14 | Communityamerica Credit Union | B | 10 | 5 | 30.0% | 6.50% |
| 15 | Guild Mortgage | A | 9 | 6 | 0.0% | 6.88% |
| 16 | Hawthorn Bank | A | 9 | 6 | 11.1% | 7.50% |
| 17 | Vanderbilt Mortgage and Finance | F | 9 | 2 | 11.1% | 9.12% |
| 18 | AmeriSave Mortgage | D | 8 | 1 | 87.5% | 9.13% |
| 19 | Everett Financial | C | 8 | 5 | 0.0% | 6.00% |
| 20 | 21st Mortgage | F | 8 | 4 | 12.5% | 8.63% |
| 21 | Nationstar Mortgage | C | 8 | 5 | 12.5% | 7.00% |
| 22 | Commerce Bank | D | 7 | 1 | 57.1% | 9.16% |
| 23 | FCS Financial, FLCA | C | 7 | 7 | 0.0% | 7.35% |
| 24 | Broker Solutions | D | 7 | 5 | 0.0% | 7.25% |
| 25 | Newrez | D | 6 | 3 | 16.7% | 6.63% |
What Bates County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bates County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 504 | 330 | 17.1% | 6.75% | $135,000 |
| 2024 | 578 | 373 | 19.0% | 6.63% | $155,000 |
| 2025 | 614 | 391 | 14.7% | 6.63% | $165,000 |
Frequently asked questions
14.7% of applications in Bates County were denied in 2025, against 15.1% statewide in Missouri.
United Shore Financial Services, with 48 applications in 2025 and a denial rate of 6.3%.
The median mortgage application in Bates County in 2025 was for $165,000; the median property value on originated loans was $235,000.