Largest lenders in Morgan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | C | 111 | 61 | 16.2% | 6.63% |
| 2 | Flat Branch Mortgage | A | 57 | 40 | 1.8% | 6.63% |
| 3 | Rocket Mortgage | C | 51 | 31 | 35.3% | 6.99% |
| 4 | U.S. Bank | D | 30 | 11 | 43.3% | 6.99% |
| 5 | Mortgage Research Center | C | 26 | 8 | 30.8% | 6.56% |
| 6 | Midwest Mortgage Associates | B | 25 | 18 | 0.0% | 6.38% |
| 7 | Broker Solutions | D | 21 | 3 | 9.5% | 7.13% |
| 8 | Triad Financial Services | D | 19 | 0 | 52.6% | — |
| 9 | Vanderbilt Mortgage and Finance | F | 19 | 0 | 42.1% | — |
| 10 | Commerce Bank | D | 18 | 10 | 22.2% | 6.50% |
| 11 | Guild Mortgage | A | 18 | 13 | 0.0% | 6.88% |
| 12 | River Region Credit Union | A | 16 | 12 | 18.8% | — |
| 13 | AmeriSave Mortgage | D | 15 | 3 | 66.7% | 7.88% |
| 14 | Pennymac Loan Services | C | 14 | 8 | 21.4% | 6.75% |
| 15 | Loandepot.Com | D | 14 | 5 | 35.7% | 7.75% |
| 16 | United Shore Financial Services | B | 13 | 9 | 15.4% | 7.87% |
| 17 | 21st Mortgage | F | 12 | 1 | 50.0% | 10.08% |
| 18 | New Day Financial | F | 12 | 2 | 16.7% | 7.31% |
| 19 | Freedom Mortgage | B | 12 | 3 | 16.7% | 5.63% |
| 20 | Newrez | D | 12 | 6 | 25.0% | 6.25% |
| 21 | Communityamerica Credit Union | B | 12 | 7 | 8.3% | 6.88% |
| 22 | Primelending, a Plainscapital | A | 12 | 7 | 8.3% | 6.99% |
| 23 | Pilgrim Mortgage | A | 11 | 8 | 0.0% | 6.43% |
| 24 | Navy Federal Credit Union | D | 11 | 7 | 9.1% | 7.75% |
| 25 | Nationstar Mortgage | C | 10 | 5 | 10.0% | 6.99% |
Best approval odds in Morgan County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Central Trust Bank | 80 | 22.5% |
What Morgan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Morgan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 703 | 413 | 18.4% | 7.00% | $155,000 |
| 2024 | 800 | 453 | 17.5% | 6.99% | $175,000 |
| 2025 | 956 | 508 | 19.1% | 6.75% | $185,000 |
Frequently asked questions
19.1% of applications in Morgan County were denied in 2025, against 15.1% statewide in Missouri.
The Central Trust Bank, with 111 applications in 2025 and a denial rate of 16.2%.
The median mortgage application in Morgan County in 2025 was for $185,000; the median property value on originated loans was $355,000.