Largest lenders in Livingston County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Btc Bank | B | 37 | 30 | 10.8% | — |
| 2 | NBH Bank | C | 23 | 15 | 17.4% | 7.75% |
| 3 | Plaza Home Mortgage | C | 23 | 19 | 8.7% | 6.99% |
| 4 | Southern Bank | A | 20 | 14 | 5.0% | 7.38% |
| 5 | Rocket Mortgage | C | 20 | 16 | 5.0% | 6.25% |
| 6 | Primelending, a Plainscapital | A | 19 | 15 | 0.0% | 6.38% |
| 7 | Flat Branch Mortgage | A | 18 | 10 | 0.0% | 6.81% |
| 8 | Mortgage Research Center | C | 13 | 7 | 23.1% | 6.25% |
| 9 | Freedom Mortgage | B | 12 | 5 | 0.0% | 6.25% |
| 10 | AmeriSave Mortgage | D | 11 | 2 | 81.8% | 7.06% |
| 11 | Communityamerica Credit Union | B | 9 | 6 | 0.0% | 6.31% |
| 12 | Nationstar Mortgage | C | 7 | 5 | 28.6% | 6.88% |
| 13 | Bpl Mortgage Trust | D | 7 | 6 | 0.0% | 7.31% |
| 14 | Community Banc Mortgage | C | 6 | 2 | 0.0% | 6.13% |
| 15 | Pennymac Loan Services | C | 5 | 4 | 0.0% | 7.00% |
| 16 | U.S. Bank | D | 5 | 3 | 40.0% | 6.38% |
| 17 | Bank Northwest | – | 5 | 4 | 0.0% | — |
What Livingston County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Livingston County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 283 | 190 | 17.3% | 6.75% | $115,000 |
| 2024 | 335 | 207 | 21.5% | 6.75% | $135,000 |
| 2025 | 369 | 230 | 15.2% | 6.75% | $125,000 |
Frequently asked questions
15.2% of applications in Livingston County were denied in 2025, against 15.1% statewide in Missouri.
Btc Bank, with 37 applications in 2025 and a denial rate of 10.8%.
The median mortgage application in Livingston County in 2025 was for $125,000; the median property value on originated loans was $175,000.