Largest lenders in Montgomery County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 19 | 12 | 26.3% | 6.56% |
| 2 | Flat Branch Mortgage | A | 18 | 14 | 0.0% | 6.50% |
| 3 | The Bank of Missouri | C | 18 | 16 | 11.1% | 6.38% |
| 4 | DAS Acquisition Company | B | 14 | 10 | 0.0% | 6.88% |
| 5 | Mortgage Research Center | C | 13 | 7 | 30.8% | 6.06% |
| 6 | Jonesburg State Bank | – | 11 | 9 | 9.1% | — |
| 7 | First State Community Bank | C | 11 | 8 | 9.1% | 6.53% |
| 8 | First State Bank of St. Charles, Missouri | A | 11 | 11 | 0.0% | 6.38% |
| 9 | U.S. Bank | D | 9 | 4 | 44.4% | 6.43% |
| 10 | United Shore Financial Services | B | 9 | 5 | 33.3% | 6.50% |
| 11 | Broker Solutions | D | 9 | 4 | 11.1% | 6.13% |
| 12 | Freedom Mortgage | B | 8 | 2 | 12.5% | 5.75% |
| 13 | First Community | F | 7 | 3 | 42.9% | 5.50% |
| 14 | The Missouri Bank | A | 7 | 7 | 0.0% | — |
| 15 | Newrez | D | 7 | 3 | 28.6% | 6.13% |
| 16 | Guild Mortgage | A | 7 | 4 | 14.3% | 6.75% |
| 17 | Pennymac Loan Services | C | 6 | 5 | 0.0% | 5.99% |
| 18 | Crosscountry Mortgage | B | 6 | 1 | 16.7% | 5.75% |
| 19 | FCS Financial, FLCA | C | 6 | 5 | 0.0% | 7.20% |
| 20 | AmeriSave Mortgage | D | 5 | 1 | 80.0% | 7.13% |
| 21 | Spring Eq | D | 5 | 0 | 80.0% | — |
| 22 | Loandepot.Com | D | 5 | 3 | 20.0% | 6.99% |
| 23 | Heritage Community Bank | A | 5 | 5 | 0.0% | — |
| 24 | Navy Federal Credit Union | D | 5 | 2 | 20.0% | 5.94% |
| 25 | Guaranteed Rate Affinity | A | 5 | 3 | 0.0% | 6.50% |
What Montgomery County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Montgomery County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 268 | 159 | 22.4% | 7.06% | $125,000 |
| 2024 | 317 | 187 | 19.2% | 6.99% | $145,000 |
| 2025 | 332 | 200 | 19.3% | 6.63% | $165,000 |
Frequently asked questions
19.3% of applications in Montgomery County were denied in 2025, against 15.1% statewide in Missouri.
Rocket Mortgage, with 19 applications in 2025 and a denial rate of 26.3%.
The median mortgage application in Montgomery County in 2025 was for $165,000; the median property value on originated loans was $235,000.