Largest lenders in Lafayette County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank of Odessa | A | 85 | 85 | 0.0% | — |
| 2 | The Central Trust Bank | C | 81 | 47 | 12.4% | 6.38% |
| 3 | Rocket Mortgage | C | 66 | 45 | 22.7% | 6.75% |
| 4 | Fairway Independent Mortgage | B | 58 | 48 | 1.7% | 6.75% |
| 5 | Communityamerica Credit Union | B | 57 | 33 | 22.8% | 6.00% |
| 6 | Leaderone Financial | D | 51 | 40 | 3.9% | 6.63% |
| 7 | Wood & Huston Bank | A | 44 | 42 | 2.3% | — |
| 8 | Flat Branch Mortgage | A | 44 | 37 | 0.0% | 6.63% |
| 9 | Community Mortgage | A | 33 | 30 | 0.0% | 6.31% |
| 10 | Mortgage Research Center | C | 33 | 16 | 18.2% | 6.56% |
| 11 | Freedom Mortgage | B | 28 | 15 | 7.1% | 6.25% |
| 12 | United Shore Financial Services | B | 28 | 19 | 10.7% | 6.63% |
| 13 | Guild Mortgage | A | 27 | 20 | 7.4% | 6.50% |
| 14 | U.S. Bank | D | 25 | 13 | 32.0% | 7.85% |
| 15 | Pennymac Loan Services | C | 20 | 10 | 25.0% | 6.43% |
| 16 | State Bank of Missouri | – | 20 | 19 | 5.0% | — |
| 17 | Loandepot.Com | D | 20 | 9 | 50.0% | 8.25% |
| 18 | Equity Bank | A | 18 | 10 | 33.3% | 4.99% |
| 19 | Geneva Financial | C | 18 | 13 | 0.0% | 6.88% |
| 20 | Newrez | D | 17 | 3 | 17.7% | 8.00% |
| 21 | Tammac Holdings | D | 17 | 0 | 76.5% | — |
| 22 | Triad Financial Services | D | 17 | 1 | 41.2% | 8.48% |
| 23 | AmeriSave Mortgage | D | 15 | 4 | 53.3% | 7.13% |
| 24 | Community Bank of Marshall | – | 15 | 13 | 6.7% | — |
| 25 | Nationstar Mortgage | C | 13 | 10 | 7.7% | 8.13% |
Best approval odds in Lafayette County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bank of Odessa | 85 | 0.0% |
| 2 | The Central Trust Bank | 57 | 17.5% |
| 3 | Rocket Mortgage | 61 | 24.6% |
What Lafayette County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lafayette County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 979 | 665 | 11.8% | 6.99% | $145,000 |
| 2024 | 1,132 | 801 | 12.5% | 6.75% | $160,000 |
| 2025 | 1,324 | 869 | 14.7% | 6.63% | $175,000 |
Frequently asked questions
14.7% of applications in Lafayette County were denied in 2025, against 15.1% statewide in Missouri.
Bank of Odessa, with 85 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Lafayette County in 2025 was for $175,000; the median property value on originated loans was $265,000.