Largest lenders in Newton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage | A | 379 | 291 | 1.6% | 6.63% |
| 2 | Arvest Bank | C | 212 | 148 | 12.7% | 6.88% |
| 3 | Southwest Missouri Bank | C | 173 | 139 | 8.1% | 7.75% |
| 4 | Rocket Mortgage | C | 118 | 79 | 21.2% | 6.75% |
| 5 | Vanderbilt Mortgage and Finance | F | 93 | 14 | 33.3% | 10.00% |
| 6 | First Community Bank | C | 74 | 60 | 9.5% | 6.93% |
| 7 | Community Bank and Trust | C | 67 | 54 | 9.0% | — |
| 8 | U.S. Bank | D | 65 | 29 | 40.0% | 8.35% |
| 9 | Broker Solutions | D | 64 | 23 | 17.2% | 6.69% |
| 10 | Mortgage Research Center | C | 54 | 23 | 18.5% | 6.38% |
| 11 | Pennymac Loan Services | C | 49 | 21 | 14.3% | 6.00% |
| 12 | 21st Mortgage | F | 40 | 7 | 37.5% | 10.66% |
| 13 | People's Bank of Seneca | C | 39 | 22 | 25.6% | — |
| 14 | Pinnacle Bank | B | 37 | 32 | 8.1% | 7.25% |
| 15 | AmeriSave Mortgage | D | 29 | 10 | 55.2% | 6.69% |
| 16 | Freedom Mortgage | B | 28 | 13 | 0.0% | 6.25% |
| 17 | United Shore Financial Services | B | 27 | 19 | 11.1% | 6.50% |
| 18 | Newrez | D | 25 | 8 | 4.0% | 6.25% |
| 19 | Commerce Bank | D | 24 | 10 | 29.2% | 6.50% |
| 20 | Midwest Mortgage Associates | B | 23 | 10 | 4.4% | 6.75% |
| 21 | Loandepot.Com | D | 23 | 12 | 43.5% | 6.81% |
| 22 | Gateway First Bank | B | 22 | 15 | 4.6% | 6.75% |
| 23 | Great Southern Bank | C | 22 | 7 | 45.5% | 6.99% |
| 24 | Triad Financial Services | D | 19 | 2 | 68.4% | 8.34% |
| 25 | Navy Federal Credit Union | D | 19 | 7 | 36.8% | 10.25% |
Best approval odds in Newton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Flat Branch Mortgage | 301 | 2.0% |
| 2 | Southwest Missouri Bank | 157 | 8.9% |
| 3 | Community Bank and Trust | 65 | 9.2% |
| 4 | First Community Bank | 67 | 10.5% |
| 5 | Arvest Bank | 181 | 14.9% |
| 6 | Rocket Mortgage | 108 | 23.2% |
| 7 | U.S. Bank | 58 | 44.8% |
What Newton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Newton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,978 | 1,167 | 18.2% | 7.00% | $135,000 |
| 2024 | 2,032 | 1,156 | 18.8% | 6.88% | $155,000 |
| 2025 | 2,238 | 1,309 | 16.6% | 6.75% | $165,000 |
Frequently asked questions
16.6% of applications in Newton County were denied in 2025, against 15.1% statewide in Missouri.
Flat Branch Mortgage, with 379 applications in 2025 and a denial rate of 1.6%.
The median mortgage application in Newton County in 2025 was for $165,000; the median property value on originated loans was $255,000.