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Buchanan County, Missouri · 2025

Mortgage lenders in Buchanan County, MO: denial rates and top lenders (2025)

199 lenders acted on 2,952 mortgage applications for properties in Buchanan County in 2025. 15.1% were denied (Missouri: 15.1%). Median rate on closed loans 6.63%; median loan $125,000; median property value $215,000.

3.0kApplications
15.1%Denial ratestate 15.1%
6.63%Median ratestate 6.63%
$125,000Median loan
$215,000Median property value

Largest lenders in Buchanan County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fairway Independent Mortgage B 312257 3.9%6.63%
2 U.S. Bank D 212126 25.5%6.75%
3 Primelending, a Plainscapital A 204162 2.9%6.63%
4 Rocket Mortgage C 194152 13.4%6.88%
5 The Nodaway Valley Bank B 162122 9.3%—
6 Commerce Bank D 14970 30.9%6.89%
7 United Shore Financial Services B 8670 7.0%6.50%
8 Leaderone Financial D 8256 8.5%6.63%
9 Mortgage Research Center C 7941 13.9%6.25%
10 Freedom Mortgage B 6529 3.1%6.25%
11 HNB National Bank B 6454 7.8%7.31%
12 Pennymac Loan Services C 5429 11.1%6.25%
13 Loandepot.Com D 5026 38.0%6.99%
14 UMB Bank B 4126 29.3%6.67%
15 Flanagan State Bank D 4130 9.8%7.13%
16 Nationstar Mortgage C 3727 18.9%8.13%
17 Communityamerica Credit Union B 3525 5.7%6.63%
18 Newrez D 329 21.9%6.25%
19 AmeriSave Mortgage D 3111 48.4%7.88%
20 Flat Branch Mortgage A 3119 9.7%6.49%
21 Broker Solutions D 316 9.7%7.15%
22 Spring Eq D 2711 33.3%9.45%
23 NBH Bank C 2611 42.3%7.50%
24 Equity Bank A 2514 24.0%6.25%
25 Endeavor Capital, LLC. C 2521 4.0%6.38%

Best approval odds in Buchanan County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Primelending, a Plainscapital1793.4%
2Fairway Independent Mortgage2694.5%
3United Shore Financial Services777.8%
4HNB National Bank647.8%
5The Nodaway Valley Bank13910.8%
6Leaderone Financial6311.1%
7Rocket Mortgage18014.4%
8Mortgage Research Center5221.2%
9U.S. Bank18329.5%
10Commerce Bank11839.0%

What Buchanan County borrowers applied for

By loan purpose

Home purchase 1,506 51% · 7.5% denied
Refinance 458 16% · 10.5% denied
Cash-out refinance 485 16% · 20.6% denied
Home improvement 240 8% · 36.3% denied
Other / HELOC 263 9% · 37.3% denied

By loan type

Conventional 2,079 70% · 16.2% denied
FHA 623 21% · 14.5% denied
VA 247 8% · 8.1% denied
USDA / RHS 3 0% · 0.0% denied

Why applications were denied

Credit history 118 28%
Debt-to-income ratio 93 22%
Collateral 79 19%
Incomplete application 53 13%
Other 48 11%
Unverifiable information 18 4%
Employment history 6 1%
Insufficient cash 5 1%

Buchanan County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,3551,50415.7%6.99%$115,000
20242,7211,78415.3%6.99%$125,000
20252,9521,88615.1%6.63%$125,000

Frequently asked questions

15.1% of applications in Buchanan County were denied in 2025, against 15.1% statewide in Missouri.

Fairway Independent Mortgage, with 312 applications in 2025 and a denial rate of 3.9%.

The median mortgage application in Buchanan County in 2025 was for $125,000; the median property value on originated loans was $215,000.