Largest lenders in Polk County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Bank of Missouri | C | 97 | 70 | 10.3% | 6.75% |
| 2 | Flat Branch Mortgage | A | 95 | 86 | 1.1% | 6.50% |
| 3 | Oakstar Bank | A | 84 | 74 | 2.4% | 7.38% |
| 4 | Rocket Mortgage | C | 61 | 42 | 26.2% | 6.81% |
| 5 | U.S. Bank | D | 45 | 21 | 42.2% | 8.35% |
| 6 | Vanderbilt Mortgage and Finance | F | 42 | 4 | 38.1% | 9.75% |
| 7 | 21st Mortgage | F | 41 | 7 | 53.7% | 9.59% |
| 8 | LimeBank | – | 38 | 30 | 10.5% | — |
| 9 | The Central Trust Bank | C | 35 | 25 | 8.6% | 6.63% |
| 10 | Mid-Missouri Bank | A | 35 | 30 | 0.0% | — |
| 11 | Pennymac Loan Services | C | 33 | 20 | 9.1% | 6.19% |
| 12 | Commerce Bank | D | 33 | 17 | 39.4% | 6.93% |
| 13 | Mortgage Research Center | C | 31 | 19 | 12.9% | 6.25% |
| 14 | United Shore Financial Services | B | 30 | 24 | 13.3% | 6.74% |
| 15 | Newrez | D | 27 | 12 | 7.4% | 6.31% |
| 16 | Freedom Mortgage | B | 24 | 10 | 12.5% | 6.00% |
| 17 | BluCurrent Credit Union | A | 23 | 17 | 17.4% | 7.00% |
| 18 | Arvest Bank | C | 20 | 14 | 10.0% | 6.88% |
| 19 | Triad Financial Services | D | 20 | 0 | 55.0% | — |
| 20 | Broker Solutions | D | 19 | 11 | 10.5% | 6.88% |
| 21 | Great Southern Bank | C | 18 | 12 | 22.2% | 6.75% |
| 22 | DAS Acquisition Company | B | 17 | 12 | 5.9% | 6.87% |
| 23 | American Financial Resources | B | 17 | 12 | 5.9% | 6.81% |
| 24 | Gershman Investment | B | 16 | 14 | 0.0% | 6.50% |
| 25 | Navy Federal Credit Union | D | 15 | 7 | 13.3% | 6.75% |
Best approval odds in Polk 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 | 87 | 1.2% |
| 2 | Oakstar Bank | 78 | 2.6% |
| 3 | The Bank of Missouri | 81 | 12.4% |
| 4 | Rocket Mortgage | 59 | 27.1% |
What Polk County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Polk County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 917 | 563 | 17.9% | 6.88% | $145,000 |
| 2024 | 1,157 | 721 | 18.1% | 6.99% | $165,000 |
| 2025 | 1,298 | 813 | 16.9% | 6.75% | $165,000 |
Frequently asked questions
16.9% of applications in Polk County were denied in 2025, against 15.1% statewide in Missouri.
The Bank of Missouri, with 97 applications in 2025 and a denial rate of 10.3%.
The median mortgage application in Polk County in 2025 was for $165,000; the median property value on originated loans was $255,000.