Largest lenders in Osage County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mid America Bank | B | 61 | 51 | 0.0% | — |
| 2 | Legends Bank | B | 58 | 48 | 6.9% | — |
| 3 | The Central Trust Bank | C | 39 | 27 | 10.3% | 6.13% |
| 4 | Flat Branch Mortgage | A | 36 | 32 | 0.0% | 6.25% |
| 5 | River Region Credit Union | A | 29 | 22 | 10.3% | — |
| 6 | Gershman Investment | B | 23 | 18 | 17.4% | 6.63% |
| 7 | Pennymac Loan Services | C | 21 | 11 | 0.0% | 5.99% |
| 8 | Mortgage Research Center | C | 18 | 11 | 5.6% | 6.50% |
| 9 | The Maries County Bank | C | 16 | 13 | 6.3% | — |
| 10 | Rocket Mortgage | C | 13 | 10 | 23.1% | 6.25% |
| 11 | Heritage Community Bank | A | 9 | 8 | 0.0% | — |
| 12 | 21st Mortgage | F | 7 | 1 | 14.3% | 10.74% |
| 13 | U.S. Bank | D | 6 | 5 | 16.7% | 6.63% |
| 14 | Freedom Mortgage | B | 6 | 2 | 16.7% | 6.06% |
| 15 | United Shore Financial Services | B | 6 | 6 | 0.0% | 6.19% |
| 16 | AmeriSave Mortgage | D | 5 | 1 | 40.0% | 6.50% |
| 17 | Triad Financial Services | D | 5 | 0 | 60.0% | — |
| 18 | Vanderbilt Mortgage and Finance | F | 5 | 0 | 0.0% | — |
Best approval odds in Osage County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mid America Bank | 51 | 0.0% |
| 2 | Legends Bank | 52 | 7.7% |
What Osage County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Osage County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 291 | 203 | 11.3% | 6.99% | $155,000 |
| 2024 | 358 | 250 | 10.3% | 6.63% | $155,000 |
| 2025 | 447 | 317 | 9.6% | 6.38% | $165,000 |
Frequently asked questions
9.6% of applications in Osage County were denied in 2025, against 15.1% statewide in Missouri.
Mid America Bank, with 61 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Osage County in 2025 was for $165,000; the median property value on originated loans was $265,000.