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Jefferson County, Missouri · 2025

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

299 lenders acted on 10,467 mortgage applications for properties in Jefferson County in 2025. 15.9% were denied (Missouri: 15.1%). Median rate on closed loans 6.63%; median loan $185,000; median property value $295,000.

10kApplications
15.9%Denial ratestate 15.1%
6.63%Median ratestate 6.63%
$185,000Median loan
$295,000Median property value

Largest lenders in Jefferson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 719535 1.7%6.63%
2 First Community F 484265 25.6%6.63%
3 Rocket Mortgage C 467339 17.8%6.63%
4 United Shore Financial Services B 427347 7.0%6.50%
5 Broker Solutions D 365224 6.0%6.75%
6 DAS Acquisition Company B 361278 2.2%6.75%
7 U.S. Bank D 335167 35.8%8.05%
8 Together Credit Union C 311212 13.8%7.50%
9 First State Community Bank C 289201 8.7%7.00%
10 Commerce Bank D 287139 30.0%6.88%
11 Newrez D 284142 18.3%6.63%
12 Pennymac Loan Services C 242143 12.0%6.50%
13 Mortgage Research Center C 20899 15.4%6.25%
14 Gershman Investment B 204148 3.4%6.56%
15 Bank of America F 19797 28.9%6.24%
16 Freedom Mortgage B 18785 10.2%6.25%
17 21st Mortgage F 17440 53.5%11.25%
18 Flat Branch Mortgage A 163138 0.0%6.50%
19 Triad Financial Services D 14423 58.3%9.48%
20 Regions Bank C 13080 26.2%5.75%
21 AmeriSave Mortgage D 12639 57.1%7.38%
22 VANTAGE Credit Union D 12598 15.2%7.25%
23 Nationstar Mortgage C 12187 13.2%8.25%
24 Family Finance Mortgage A 115115 0.0%6.75%
25 Arsenal Credit Union C 10692 10.4%6.75%

Best approval odds in Jefferson County

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

#LenderDecidedDecision denial rate
1Family Finance Mortgage1150.0%
2Flat Branch Mortgage1420.0%
3Stifel Bank and Trust801.3%
4The Central Trust Bank561.8%
5Guild Mortgage5922.0%
6DAS Acquisition Company3092.6%
7American Pacific Mortgage583.5%
8Gershman Investment1554.5%
9Bloomsdale Bank634.8%
10Midwest BankCentre565.4%

What Jefferson County borrowers applied for

By loan purpose

Home purchase 4,628 44% · 10.4% denied
Refinance 1,796 17% · 10.6% denied
Cash-out refinance 1,818 17% · 19.0% denied
Home improvement 1,111 11% · 29.3% denied
Other / HELOC 1,114 11% · 29.2% denied

By loan type

Conventional 7,649 73% · 17.1% denied
FHA 1,733 17% · 13.4% denied
VA 993 9% · 12.4% denied
USDA / RHS 92 1% · 8.7% denied

Why applications were denied

Credit history 507 31%
Debt-to-income ratio 461 28%
Collateral 220 13%
Incomplete application 200 12%
Other 138 8%
Unverifiable information 58 4%
Insufficient cash 34 2%
Employment history 14 1%

Jefferson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,3575,10218.9%7.00%$155,000
20249,4495,87616.5%6.99%$165,000
202510,4676,58615.9%6.63%$185,000

Frequently asked questions

15.9% of applications in Jefferson County were denied in 2025, against 15.1% statewide in Missouri.

Guild Mortgage, with 719 applications in 2025 and a denial rate of 1.7%.

The median mortgage application in Jefferson County in 2025 was for $185,000; the median property value on originated loans was $295,000.