Largest lenders in Hickory County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Oakstar Bank | A | 79 | 71 | 5.1% | 7.50% |
| 2 | LimeBank | – | 23 | 17 | 17.4% | — |
| 3 | Rocket Mortgage | C | 22 | 12 | 31.8% | 6.75% |
| 4 | U.S. Bank | D | 17 | 5 | 41.2% | 7.00% |
| 5 | Flat Branch Mortgage | A | 17 | 14 | 0.0% | 6.88% |
| 6 | Mortgage Research Center | C | 15 | 12 | 13.3% | 6.38% |
| 7 | Btc Bank | B | 11 | 7 | 27.3% | — |
| 8 | Freedom Mortgage | B | 10 | 4 | 10.0% | 6.69% |
| 9 | United Shore Financial Services | B | 10 | 9 | 0.0% | 6.63% |
| 10 | Arvest Bank | C | 9 | 3 | 11.1% | 6.75% |
| 11 | Community National Bank & Trust | C | 9 | 6 | 33.3% | 7.86% |
| 12 | Loandepot.Com | D | 9 | 3 | 44.4% | 6.75% |
| 13 | 21st Mortgage | F | 8 | 3 | 62.5% | 9.54% |
| 14 | Crosscountry Mortgage | B | 7 | 1 | 28.6% | 7.08% |
| 15 | Triad Financial Services | D | 7 | 0 | 57.1% | — |
| 16 | Vanderbilt Mortgage and Finance | F | 7 | 0 | 42.9% | — |
| 17 | AmeriSave Mortgage | D | 6 | 1 | 83.3% | 6.38% |
| 18 | Gershman Investment | B | 6 | 2 | 16.7% | 6.24% |
| 19 | Newrez | D | 6 | 0 | 33.3% | — |
| 20 | Communityamerica Credit Union | B | 6 | 4 | 0.0% | 6.49% |
| 21 | American Financial Resources | B | 6 | 5 | 0.0% | 6.75% |
| 22 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 6.25% |
Best approval odds in Hickory County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Oakstar Bank | 76 | 5.3% |
What Hickory County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hickory County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 322 | 207 | 20.2% | 7.25% | $115,000 |
| 2024 | 367 | 226 | 19.4% | 7.38% | $125,000 |
| 2025 | 431 | 253 | 20.0% | 7.00% | $125,000 |
Frequently asked questions
20.0% of applications in Hickory County were denied in 2025, against 15.1% statewide in Missouri.
Oakstar Bank, with 79 applications in 2025 and a denial rate of 5.1%.
The median mortgage application in Hickory County in 2025 was for $125,000; the median property value on originated loans was $230,000.