Largest lenders in Iron County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First State Community Bank | C | 69 | 45 | 23.2% | 7.25% |
| 2 | Guild Mortgage | A | 27 | 20 | 0.0% | 6.63% |
| 3 | Rocket Mortgage | C | 25 | 15 | 28.0% | 6.63% |
| 4 | Ozarks Federal Savings and Loan Association | C | 24 | 21 | 0.0% | 7.75% |
| 5 | AmeriSave Mortgage | D | 11 | 2 | 54.6% | 5.94% |
| 6 | Mortgage Research Center | C | 11 | 4 | 36.4% | 6.19% |
| 7 | Great Southern Bank | C | 11 | 6 | 27.3% | 6.88% |
| 8 | Flat Branch Mortgage | A | 10 | 4 | 20.0% | 6.19% |
| 9 | 21st Mortgage | F | 8 | 1 | 37.5% | 9.16% |
| 10 | Broker Solutions | D | 7 | 4 | 14.3% | 7.06% |
| 11 | DAS Acquisition Company | B | 6 | 6 | 0.0% | 6.99% |
| 12 | Pennymac Loan Services | C | 5 | 1 | 0.0% | 6.49% |
| 13 | New Day Financial | F | 5 | 1 | 0.0% | 7.25% |
Best approval odds in Iron County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First State Community Bank | 63 | 25.4% |
What Iron County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Iron County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 250 | 134 | 25.6% | 6.84% | $95,000 |
| 2024 | 261 | 152 | 19.2% | 7.00% | $125,000 |
| 2025 | 309 | 173 | 18.8% | 6.88% | $105,000 |
Frequently asked questions
18.8% of applications in Iron County were denied in 2025, against 15.1% statewide in Missouri.
First State Community Bank, with 69 applications in 2025 and a denial rate of 23.2%.
The median mortgage application in Iron County in 2025 was for $105,000; the median property value on originated loans was $165,000.