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Platte County, Missouri · 2025

Mortgage lenders in Platte County, MO: denial rates and top lenders (2025)

274 lenders acted on 4,174 mortgage applications for properties in Platte County in 2025. 13.0% were denied (Missouri: 15.1%). Median rate on closed loans 6.50%; median loan $255,000; median property value $405,000.

4.2kApplications
13.0%Denial ratestate 15.1%
6.50%Median ratestate 6.63%
$255,000Median loan
$405,000Median property value

Largest lenders in Platte County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Communityamerica Credit Union B 550368 14.0%6.13%
2 Rocket Mortgage C 197149 13.7%6.63%
3 Fairway Independent Mortgage B 152125 4.0%6.63%
4 Primelending, a Plainscapital A 149121 2.7%6.63%
5 United Shore Financial Services B 144127 5.6%6.51%
6 U.S. Bank D 12169 32.2%7.90%
7 Commerce Bank D 9749 29.9%6.50%
8 Leaderone Financial D 9761 9.3%6.63%
9 Pennymac Loan Services C 8951 9.0%6.50%
10 Bank of America F 8632 36.1%6.18%
11 The Central Trust Bank C 8656 12.8%6.38%
12 Mortgage Research Center C 8546 14.1%6.25%
13 Guild Mortgage A 7256 2.8%6.50%
14 Freedom Mortgage B 6930 10.1%6.19%
15 Navy Federal Credit Union D 6838 11.8%6.00%
16 NBKC Bank B 6149 4.9%6.25%
17 Arvest Bank C 5843 10.3%6.88%
18 UMB Bank B 5637 28.6%5.99%
19 Nationstar Mortgage C 5638 14.3%8.50%
20 Newrez D 5419 13.0%6.75%
21 Flat Branch Mortgage A 4940 0.0%6.43%
22 Spring Eq D 4723 25.5%8.68%
23 Crosscountry Mortgage B 4435 2.3%6.63%
24 Lakeview Loan Servicing C 4418 43.2%6.12%
25 Click n' Close C 3734 0.0%6.50%

Best approval odds in Platte County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Primelending, a Plainscapital1323.0%
2Guild Mortgage603.3%
3Fairway Independent Mortgage1314.6%
4NBKC Bank525.8%
5United Shore Financial Services1375.8%
6Pennymac Loan Services6312.7%
7Leaderone Financial7012.9%
8Rocket Mortgage18314.8%
9The Central Trust Bank6816.2%
10Communityamerica Credit Union46816.5%

What Platte County borrowers applied for

By loan purpose

Home purchase 1,945 47% · 4.7% denied
Refinance 712 17% · 13.1% denied
Cash-out refinance 591 14% · 17.3% denied
Home improvement 430 10% · 23.7% denied
Other / HELOC 496 12% · 30.7% denied

By loan type

Conventional 3,293 79% · 13.6% denied
FHA 440 11% · 13.0% denied
VA 436 10% · 8.0% denied
USDA / RHS 5 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 180 34%
Credit history 116 22%
Incomplete application 88 17%
Collateral 60 11%
Other 51 10%
Unverifiable information 20 4%
Employment history 9 2%
Insufficient cash 8 2%

Platte County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,4532,26714.1%6.63%$225,000
20243,8972,49814.7%6.63%$235,000
20254,1742,74713.0%6.50%$255,000

Frequently asked questions

13.0% of applications in Platte County were denied in 2025, against 15.1% statewide in Missouri.

Communityamerica Credit Union, with 550 applications in 2025 and a denial rate of 14.0%.

The median mortgage application in Platte County in 2025 was for $255,000; the median property value on originated loans was $405,000.