Largest lenders in Macon County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank | D | 26 | 8 | 57.7% | 6.99% |
| 2 | Flat Branch Mortgage | A | 26 | 17 | 3.9% | 6.75% |
| 3 | Mortgage Research Center | C | 26 | 13 | 23.1% | 6.25% |
| 4 | Rocket Mortgage | C | 21 | 14 | 23.8% | 5.99% |
| 5 | First State Community Bank | C | 20 | 14 | 10.0% | 7.06% |
| 6 | Equity Bank | A | 18 | 11 | 33.3% | 4.99% |
| 7 | Regional Missouri Bank | C | 18 | 15 | 16.7% | — |
| 8 | Broker Solutions | D | 13 | 3 | 7.7% | 7.25% |
| 9 | DAS Acquisition Company | B | 10 | 8 | 10.0% | 6.63% |
| 10 | Newrez | D | 9 | 3 | 11.1% | 6.25% |
| 11 | AmeriSave Mortgage | D | 8 | 2 | 75.0% | 7.69% |
| 12 | United Shore Financial Services | B | 8 | 5 | 12.5% | 6.00% |
| 13 | 21st Mortgage | F | 7 | 2 | 28.6% | 9.95% |
| 14 | Alliant Bank | C | 7 | 5 | 0.0% | — |
| 15 | River Region Credit Union | A | 7 | 6 | 0.0% | — |
| 16 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 5.99% |
| 17 | Southern Bank | A | 5 | 3 | 20.0% | 7.50% |
| 18 | First Mid Bank & Trust | C | 5 | 3 | 40.0% | 6.50% |
What Macon County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Macon County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 259 | 154 | 17.8% | 7.13% | $125,000 |
| 2024 | 302 | 155 | 26.8% | 6.75% | $115,000 |
| 2025 | 329 | 185 | 22.2% | 6.63% | $135,000 |
Frequently asked questions
22.2% of applications in Macon County were denied in 2025, against 15.1% statewide in Missouri.
U.S. Bank, with 26 applications in 2025 and a denial rate of 57.7%.
The median mortgage application in Macon County in 2025 was for $135,000; the median property value on originated loans was $185,000.