Largest lenders in Howard County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Commercial Trust Company of Fayette | A | 58 | 56 | 3.5% | — |
| 2 | Exchange Bank of Missouri | B | 54 | 46 | 11.1% | — |
| 3 | Rocket Mortgage | C | 16 | 9 | 37.5% | 6.75% |
| 4 | The Central Trust Bank | C | 12 | 8 | 16.7% | 6.13% |
| 5 | Flat Branch Mortgage | A | 12 | 11 | 0.0% | 6.63% |
| 6 | Btc Bank | B | 11 | 11 | 0.0% | — |
| 7 | Alliant Bank | C | 10 | 7 | 10.0% | — |
| 8 | River Region Credit Union | A | 9 | 7 | 0.0% | — |
| 9 | Regional Missouri Bank | C | 9 | 8 | 11.1% | — |
| 10 | Pennymac Loan Services | C | 8 | 3 | 50.0% | 6.49% |
| 11 | DAS Acquisition Company | B | 8 | 7 | 0.0% | 6.63% |
| 12 | United Shore Financial Services | B | 8 | 5 | 12.5% | 6.50% |
| 13 | 21st Mortgage | F | 7 | 2 | 71.4% | 9.00% |
| 14 | Mortgage Research Center | C | 7 | 1 | 0.0% | 6.50% |
| 15 | AmeriSave Mortgage | D | 5 | 1 | 60.0% | 5.13% |
| 16 | Broker Solutions | D | 5 | 0 | 20.0% | — |
| 17 | Triad Financial Services | D | 5 | 0 | 60.0% | — |
Best approval odds in Howard County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Commercial Trust Company of Fayette | 58 | 3.5% |
| 2 | Exchange Bank of Missouri | 52 | 11.5% |
What Howard County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Howard County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 262 | 195 | 12.6% | 6.75% | $115,000 |
| 2024 | 263 | 177 | 16.4% | 6.88% | $125,000 |
| 2025 | 331 | 226 | 16.0% | 6.59% | $135,000 |
Frequently asked questions
16.0% of applications in Howard County were denied in 2025, against 15.1% statewide in Missouri.
Commercial Trust Company of Fayette, with 58 applications in 2025 and a denial rate of 3.5%.
The median mortgage application in Howard County in 2025 was for $135,000; the median property value on originated loans was $225,000.