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Cass County, Missouri · 2025

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

284 lenders acted on 5,088 mortgage applications for properties in Cass County in 2025. 13.7% were denied (Missouri: 15.1%). Median rate on closed loans 6.63%; median loan $225,000; median property value $355,000.

5.1kApplications
13.7%Denial ratestate 15.1%
6.63%Median ratestate 6.63%
$225,000Median loan
$355,000Median property value

Largest lenders in Cass County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Communityamerica Credit Union B 375246 14.1%6.49%
2 Rocket Mortgage C 234175 17.5%6.75%
3 Fairway Independent Mortgage B 204170 4.9%6.63%
4 Commerce Bank D 16683 30.1%7.13%
5 United Shore Financial Services B 149126 7.4%6.25%
6 Flat Branch Mortgage A 145126 0.0%6.50%
7 Pennymac Loan Services C 11474 9.7%6.50%
8 Freedom Mortgage B 11260 8.9%6.25%
9 Mortgage Research Center C 11257 10.7%6.25%
10 Arvest Bank C 10480 11.5%6.88%
11 UMB Bank B 8853 27.3%5.99%
12 Mazuma Credit Union C 8158 14.8%7.75%
13 Leaderone Financial D 8056 11.3%6.63%
14 Prosperity Home Mortgage A 7961 5.1%6.63%
15 Hawthorn Bank A 7749 26.0%7.00%
16 U.S. Bank D 7541 32.0%7.85%
17 Dhi Mortgage Company B 7545 9.3%5.75%
18 Zippy Loans D 7213 33.3%8.00%
19 Newrez D 6936 14.5%6.25%
20 Bank of America F 6826 38.2%6.49%
21 Broker Solutions D 6530 9.2%6.93%
22 Navy Federal Credit Union D 6535 13.9%6.38%
23 Primelending, a Plainscapital A 6550 3.1%6.75%
24 Guild Mortgage A 6342 1.6%6.50%
25 Summit Funding C 6255 1.6%6.63%

Best approval odds in Cass County

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

#LenderDecidedDecision denial rate
1Flat Branch Mortgage1260.0%
2Summit Funding561.8%
3Primelending, a Plainscapital543.7%
4Fairway Independent Mortgage1805.6%
5Prosperity Home Mortgage656.2%
6United Shore Financial Services1378.0%
7Nationstar Mortgage529.6%
8Freedom Mortgage8012.5%
9Pennymac Loan Services8812.5%
10Dhi Mortgage Company5512.7%

What Cass County borrowers applied for

By loan purpose

Home purchase 2,448 48% · 7.7% denied
Refinance 825 16% · 14.6% denied
Cash-out refinance 870 17% · 17.1% denied
Home improvement 403 8% · 24.1% denied
Other / HELOC 542 11% · 26.0% denied

By loan type

Conventional 3,752 74% · 14.0% denied
FHA 743 15% · 13.6% denied
VA 551 11% · 11.1% denied
USDA / RHS 42 1% · 16.7% denied

Why applications were denied

Debt-to-income ratio 227 33%
Credit history 166 24%
Incomplete application 100 15%
Collateral 72 10%
Other 67 10%
Unverifiable information 29 4%
Employment history 13 2%
Insufficient cash 12 2%

Cass County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8712,47615.7%6.88%$195,000
20244,5972,96215.3%6.75%$205,000
20255,0883,31613.7%6.63%$225,000

Frequently asked questions

13.7% of applications in Cass County were denied in 2025, against 15.1% statewide in Missouri.

Communityamerica Credit Union, with 375 applications in 2025 and a denial rate of 14.1%.

The median mortgage application in Cass County in 2025 was for $225,000; the median property value on originated loans was $355,000.