Largest lenders in Cooper County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | C | 59 | 37 | 11.9% | 6.63% |
| 2 | Alliant Bank | C | 48 | 37 | 2.1% | — |
| 3 | Flat Branch Mortgage | A | 42 | 34 | 0.0% | 6.38% |
| 4 | Mortgage Research Center | C | 31 | 17 | 9.7% | 6.50% |
| 5 | Rocket Mortgage | C | 27 | 11 | 44.4% | 6.88% |
| 6 | Btc Bank | B | 26 | 23 | 11.5% | — |
| 7 | River Region Credit Union | A | 25 | 16 | 4.0% | — |
| 8 | DAS Acquisition Company | B | 17 | 14 | 11.8% | 6.44% |
| 9 | Exchange Bank of Missouri | B | 15 | 10 | 20.0% | — |
| 10 | Freedom Mortgage | B | 14 | 7 | 21.4% | 5.75% |
| 11 | United Shore Financial Services | B | 14 | 8 | 35.7% | 6.06% |
| 12 | First State Community Bank | C | 11 | 9 | 0.0% | 6.55% |
| 13 | Newrez | D | 10 | 5 | 20.0% | 6.13% |
| 14 | Pennymac Loan Services | C | 7 | 5 | 14.3% | 6.63% |
| 15 | Southern Bank | A | 7 | 3 | 0.0% | 7.50% |
| 16 | Broker Solutions | D | 7 | 2 | 14.3% | 6.50% |
| 17 | Community Banc Mortgage | C | 7 | 3 | 0.0% | 6.88% |
| 18 | 21st Mortgage | F | 6 | 1 | 50.0% | 9.30% |
| 19 | New Day Financial | F | 6 | 2 | 0.0% | 6.74% |
| 20 | Commercial Trust Company of Fayette | A | 6 | 5 | 16.7% | — |
| 21 | Connections Bank | A | 6 | 5 | 0.0% | — |
| 22 | Peoples Bank of Moniteau County | – | 6 | 6 | 0.0% | — |
| 23 | U.S. Bank | D | 5 | 4 | 20.0% | 8.45% |
| 24 | AmeriSave Mortgage | D | 5 | 0 | 60.0% | — |
| 25 | West Community Credit Union | B | 5 | 3 | 40.0% | 6.63% |
What Cooper County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cooper County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 477 | 316 | 12.2% | 6.75% | $135,000 |
| 2024 | 572 | 378 | 11.7% | 6.75% | $155,000 |
| 2025 | 556 | 349 | 13.3% | 6.50% | $175,000 |
Frequently asked questions
13.3% of applications in Cooper County were denied in 2025, against 15.1% statewide in Missouri.
The Central Trust Bank, with 59 applications in 2025 and a denial rate of 11.9%.
The median mortgage application in Cooper County in 2025 was for $175,000; the median property value on originated loans was $255,000.