Largest lenders in Cedar County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Simmons Bank | C | 39 | 25 | 33.3% | 7.00% |
| 2 | Rocket Mortgage | C | 35 | 22 | 28.6% | 6.56% |
| 3 | Mid-Missouri Bank | A | 34 | 31 | 2.9% | — |
| 4 | Gershman Investment | B | 21 | 16 | 4.8% | 6.19% |
| 5 | Flat Branch Mortgage | A | 19 | 15 | 0.0% | 6.63% |
| 6 | Great Southern Bank | C | 19 | 10 | 42.1% | 6.50% |
| 7 | Mortgage Research Center | C | 18 | 7 | 16.7% | 6.75% |
| 8 | Community National Bank & Trust | C | 15 | 10 | 6.7% | 7.43% |
| 9 | Vanderbilt Mortgage and Finance | F | 12 | 2 | 33.3% | 10.12% |
| 10 | 21st Mortgage | F | 11 | 3 | 27.3% | 9.00% |
| 11 | Arvest Bank | C | 10 | 5 | 10.0% | 7.97% |
| 12 | DAS Acquisition Company | B | 10 | 7 | 20.0% | 6.63% |
| 13 | Pennymac Loan Services | C | 9 | 5 | 0.0% | 8.50% |
| 14 | U.S. Bank | D | 9 | 4 | 44.4% | 7.36% |
| 15 | Newrez | D | 9 | 2 | 11.1% | 6.38% |
| 16 | Oakstar Bank | A | 8 | 6 | 0.0% | 7.38% |
| 17 | AmeriSave Mortgage | D | 7 | 3 | 42.9% | 6.13% |
| 18 | Discover Bank | F | 6 | 1 | 50.0% | 8.58% |
| 19 | United Shore Financial Services | B | 6 | 4 | 16.7% | 6.32% |
| 20 | Broker Solutions | D | 6 | 2 | 33.3% | 6.81% |
| 21 | LimeBank | – | 6 | 5 | 16.7% | — |
| 22 | PHH Mortgage | C | 5 | 1 | 40.0% | 5.38% |
| 23 | Carrington Mortgage Services | D | 5 | 1 | 20.0% | 5.63% |
| 24 | Lakeview Loan Servicing | C | 5 | 2 | 60.0% | 6.75% |
| 25 | Nationstar Mortgage | C | 5 | 5 | 0.0% | 6.88% |
What Cedar County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cedar County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 433 | 256 | 19.2% | 6.99% | $105,000 |
| 2024 | 442 | 264 | 20.6% | 6.88% | $125,000 |
| 2025 | 487 | 283 | 18.9% | 6.75% | $135,000 |
Frequently asked questions
18.9% of applications in Cedar County were denied in 2025, against 15.1% statewide in Missouri.
Simmons Bank, with 39 applications in 2025 and a denial rate of 33.3%.
The median mortgage application in Cedar County in 2025 was for $135,000; the median property value on originated loans was $215,000.