Largest lenders in Howell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Click n' Close | C | 70 | 55 | 0.0% | 6.25% |
| 2 | Southern Bank | A | 68 | 57 | 2.9% | 7.25% |
| 3 | Rocket Mortgage | C | 62 | 48 | 14.5% | 6.56% |
| 4 | DAS Acquisition Company | B | 57 | 42 | 0.0% | 6.38% |
| 5 | Simmons Bank | C | 46 | 24 | 41.3% | 6.88% |
| 6 | Pennymac Loan Services | C | 37 | 17 | 8.1% | 6.62% |
| 7 | Mortgage Research Center | C | 37 | 12 | 21.6% | 6.50% |
| 8 | Geneva Financial | C | 33 | 20 | 6.1% | 6.88% |
| 9 | 21st Mortgage | F | 27 | 5 | 40.7% | 8.62% |
| 10 | Freedom Mortgage | B | 27 | 14 | 3.7% | 6.25% |
| 11 | Broker Solutions | D | 26 | 8 | 15.4% | 7.12% |
| 12 | Triad Financial Services | D | 21 | 4 | 52.4% | 8.59% |
| 13 | AmeriSave Mortgage | D | 19 | 4 | 63.2% | 6.63% |
| 14 | Guild Mortgage | A | 19 | 13 | 5.3% | 6.31% |
| 15 | New Day Financial | F | 18 | 6 | 11.1% | 6.99% |
| 16 | Vanderbilt Mortgage and Finance | F | 18 | 3 | 50.0% | 10.99% |
| 17 | Gershman Investment | B | 16 | 13 | 0.0% | 6.50% |
| 18 | Everett Financial | C | 15 | 11 | 6.7% | 6.75% |
| 19 | United Shore Financial Services | B | 15 | 12 | 0.0% | 5.75% |
| 20 | FNBC Bank | C | 15 | 12 | 6.7% | — |
| 21 | Flat Branch Mortgage | A | 14 | 8 | 0.0% | 6.63% |
| 22 | U.S. Bank | D | 13 | 7 | 46.2% | 6.99% |
| 23 | Newrez | D | 13 | 5 | 38.5% | 6.50% |
| 24 | Nationstar Mortgage | C | 12 | 7 | 25.0% | 6.49% |
| 25 | Primelending, a Plainscapital | A | 12 | 11 | 0.0% | 6.25% |
Best approval odds in Howell County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Click n' Close | 55 | 0.0% |
| 2 | Southern Bank | 60 | 3.3% |
| 3 | Rocket Mortgage | 57 | 15.8% |
What Howell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Howell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 751 | 458 | 16.3% | 7.00% | $135,000 |
| 2024 | 835 | 468 | 17.1% | 6.88% | $155,000 |
| 2025 | 1,010 | 577 | 15.5% | 6.63% | $155,000 |
Frequently asked questions
15.5% of applications in Howell County were denied in 2025, against 15.1% statewide in Missouri.
Click n' Close, with 70 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Howell County in 2025 was for $155,000; the median property value on originated loans was $235,000.