Largest lenders in Boone County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | C | 968 | 675 | 7.0% | 6.50% |
| 2 | Flat Branch Mortgage | A | 606 | 507 | 0.2% | 6.63% |
| 3 | River Region Credit Union | A | 485 | 402 | 5.0% | — |
| 4 | Mortgage Research Center | C | 274 | 149 | 11.0% | 6.25% |
| 5 | Rocket Mortgage | C | 203 | 152 | 13.8% | 6.63% |
| 6 | United Shore Financial Services | B | 170 | 127 | 12.4% | 6.25% |
| 7 | DAS Acquisition Company | B | 161 | 115 | 1.9% | 6.50% |
| 8 | U.S. Bank | D | 144 | 82 | 21.5% | 6.95% |
| 9 | Commerce Bank | D | 136 | 83 | 23.5% | 6.63% |
| 10 | Simmons Bank | C | 128 | 98 | 14.8% | 3.99% |
| 11 | West Community Credit Union | B | 118 | 68 | 15.3% | 6.50% |
| 12 | First State Community Bank | C | 112 | 86 | 3.6% | 6.75% |
| 13 | The Bank of Missouri | C | 104 | 87 | 3.9% | 6.75% |
| 14 | Mid America Bank | B | 91 | 82 | 3.3% | — |
| 15 | Pennymac Loan Services | C | 90 | 49 | 15.6% | 6.13% |
| 16 | Bell Bank | A | 80 | 52 | 6.3% | 6.69% |
| 17 | Freedom Mortgage | B | 79 | 30 | 6.3% | 6.25% |
| 18 | Hawthorn Bank | A | 70 | 65 | 1.4% | 6.52% |
| 19 | Newrez | D | 66 | 25 | 12.1% | 6.25% |
| 20 | Bank of America | F | 56 | 29 | 21.4% | 6.24% |
| 21 | Exchange Bank of Missouri | B | 56 | 50 | 1.8% | — |
| 22 | AmeriSave Mortgage | D | 54 | 12 | 74.1% | 7.75% |
| 23 | The Callaway Bank | A | 49 | 47 | 2.0% | — |
| 24 | Navy Federal Credit Union | D | 48 | 28 | 8.3% | 6.25% |
| 25 | Nationstar Mortgage | C | 46 | 33 | 13.0% | 8.13% |
Best approval odds in Boone 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 | 509 | 0.2% |
| 2 | Hawthorn Bank | 67 | 1.5% |
| 3 | Exchange Bank of Missouri | 51 | 2.0% |
| 4 | DAS Acquisition Company | 133 | 2.3% |
| 5 | Mid America Bank | 88 | 3.4% |
| 6 | The Bank of Missouri | 91 | 4.4% |
| 7 | First State Community Bank | 91 | 4.4% |
| 8 | River Region Credit Union | 475 | 5.1% |
| 9 | Bell Bank | 57 | 8.8% |
| 10 | The Central Trust Bank | 753 | 9.0% |
What Boone County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Boone County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 5,007 | 3,294 | 11.8% | 6.88% | $195,000 |
| 2024 | 5,431 | 3,488 | 12.4% | 6.75% | $205,000 |
| 2025 | 6,185 | 4,124 | 11.0% | 6.50% | $225,000 |
Frequently asked questions
11.0% of applications in Boone County were denied in 2025, against 15.1% statewide in Missouri.
The Central Trust Bank, with 968 applications in 2025 and a denial rate of 7.0%.
The median mortgage application in Boone County in 2025 was for $225,000; the median property value on originated loans was $335,000.