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Jackson County, Missouri · 2025

Mortgage lenders in Jackson County, MO: denial rates and top lenders (2025)

507 lenders acted on 27,876 mortgage applications for properties in Jackson County in 2025. 14.4% were denied (Missouri: 15.1%). Median rate on closed loans 6.63%; median loan $185,000; median property value $285,000.

28kApplications
14.4%Denial ratestate 15.1%
6.63%Median ratestate 6.63%
$185,000Median loan
$285,000Median property value

Largest lenders in Jackson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Communityamerica Credit Union B 2,6051,654 17.7%6.49%
2 Rocket Mortgage C 1,185874 15.9%6.63%
3 United Shore Financial Services B 953750 8.7%6.50%
4 Fairway Independent Mortgage B 916698 3.6%6.63%
5 Commerce Bank D 850411 28.1%6.63%
6 Leaderone Financial D 690484 7.8%6.63%
7 U.S. Bank D 654296 35.3%7.90%
8 Guild Mortgage A 613452 4.7%6.63%
9 Kiavi Funding D 573413 6.8%9.95%
10 Primelending, a Plainscapital A 543409 2.4%6.50%
11 Flat Branch Mortgage A 535427 0.6%6.63%
12 Arvest Bank C 533360 14.3%6.88%
13 Bank of America F 521204 31.5%6.38%
14 Freedom Mortgage B 506222 7.5%6.25%
15 Pennymac Loan Services C 504287 10.5%6.25%
16 Mortgage Research Center C 490221 18.2%6.25%
17 UMB Bank B 408232 28.4%5.99%
18 The Central Trust Bank C 387251 14.7%6.50%
19 Community Mortgage A 385332 0.5%6.49%
20 Newrez D 370117 21.1%6.50%
21 Prosperity Home Mortgage A 368276 4.6%6.50%
22 Broker Solutions D 322103 10.6%6.81%
23 First State Bank of St. Charles, Missouri A 288288 0.0%6.50%
24 Crosscountry Mortgage B 285211 3.2%6.75%
25 AmeriSave Mortgage D 28361 64.0%7.25%

Best approval odds in Jackson County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Cornerstone Bank540.0%
2Dominion Financial Services680.0%
3Endeavor Capital, LLC.600.0%
4First State Bank of St. Charles, Missouri2880.0%
5Community Mortgage3340.6%
6Flat Branch Mortgage4430.7%
7Waterstone Mortgage1381.5%
8Ark-La-Tex Financial Services, LLC.671.5%
9Megastar Financial581.7%
10Envoy Mortgage502.0%

What Jackson County borrowers applied for

By loan purpose

Home purchase 13,361 48% · 5.7% denied
Refinance 4,728 17% · 12.9% denied
Cash-out refinance 4,576 16% · 21.4% denied
Home improvement 2,558 9% · 30.6% denied
Other / HELOC 2,653 10% · 33.0% denied

By loan type

Conventional 21,106 76% · 14.7% denied
FHA 4,593 16% · 14.5% denied
VA 2,151 8% · 11.2% denied
USDA / RHS 26 0% · 19.2% denied

Why applications were denied

Debt-to-income ratio 1,088 27%
Credit history 1,067 27%
Incomplete application 613 15%
Collateral 576 14%
Other 357 9%
Unverifiable information 169 4%
Insufficient cash 87 2%
Employment history 32 1%

Jackson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202323,70714,47017.0%6.75%$155,000
202426,32416,21316.9%6.75%$175,000
202527,87617,32914.4%6.63%$185,000

Frequently asked questions

14.4% of applications in Jackson County were denied in 2025, against 15.1% statewide in Missouri.

Communityamerica Credit Union, with 2,605 applications in 2025 and a denial rate of 17.7%.

The median mortgage application in Jackson County in 2025 was for $185,000; the median property value on originated loans was $285,000.