Largest lenders in Dallas County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Oakstar Bank | A | 45 | 36 | 6.7% | 7.50% |
| 2 | Flat Branch Mortgage | A | 35 | 33 | 2.9% | 6.50% |
| 3 | Rocket Mortgage | C | 30 | 18 | 23.3% | 6.75% |
| 4 | The Central Trust Bank | C | 29 | 16 | 13.8% | 6.31% |
| 5 | Vanderbilt Mortgage and Finance | F | 29 | 0 | 55.2% | — |
| 6 | Mortgage Research Center | C | 27 | 19 | 3.7% | 6.25% |
| 7 | 21st Mortgage | F | 24 | 3 | 58.3% | 9.73% |
| 8 | Btc Bank | B | 23 | 16 | 26.1% | — |
| 9 | Old Missouri Bank | B | 22 | 17 | 13.6% | — |
| 10 | U.S. Bank | D | 20 | 9 | 35.0% | 8.35% |
| 11 | Broker Solutions | D | 20 | 11 | 20.0% | 6.75% |
| 12 | O'Bannon Banking | – | 19 | 12 | 26.3% | — |
| 13 | Gershman Investment | B | 17 | 11 | 5.9% | 6.75% |
| 14 | Triad Financial Services | D | 17 | 3 | 64.7% | 8.68% |
| 15 | AmeriSave Mortgage | D | 16 | 7 | 43.8% | 6.13% |
| 16 | BluCurrent Credit Union | A | 13 | 10 | 15.4% | 7.00% |
| 17 | Freedom Mortgage | B | 13 | 5 | 0.0% | 6.63% |
| 18 | Pennymac Loan Services | C | 12 | 11 | 0.0% | 6.25% |
| 19 | Arvest Bank | C | 12 | 8 | 25.0% | 7.38% |
| 20 | DAS Acquisition Company | B | 12 | 6 | 8.3% | 6.94% |
| 21 | Credit Human Federal Credit Union | D | 12 | 0 | 91.7% | — |
| 22 | United Shore Financial Services | B | 11 | 11 | 0.0% | 6.00% |
| 23 | Newrez | D | 11 | 3 | 0.0% | 6.25% |
| 24 | Tammac Holdings | D | 10 | 0 | 80.0% | — |
| 25 | Carrington Mortgage Services | D | 8 | 3 | 50.0% | 6.63% |
What Dallas County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dallas County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 510 | 299 | 18.4% | 7.13% | $145,000 |
| 2024 | 574 | 338 | 17.4% | 6.88% | $145,000 |
| 2025 | 686 | 380 | 23.8% | 6.63% | $145,000 |
Frequently asked questions
23.8% of applications in Dallas County were denied in 2025, against 15.1% statewide in Missouri.
Oakstar Bank, with 45 applications in 2025 and a denial rate of 6.7%.
The median mortgage application in Dallas County in 2025 was for $145,000; the median property value on originated loans was $265,000.