Largest lenders in Ray County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Leaderone Financial | D | 74 | 56 | 10.8% | 6.62% |
| 2 | Rocket Mortgage | C | 53 | 40 | 18.9% | 6.88% |
| 3 | Communityamerica Credit Union | B | 50 | 27 | 16.0% | 6.38% |
| 4 | NBH Bank | C | 48 | 27 | 31.3% | 7.75% |
| 5 | Community Bank of Missouri | – | 44 | 33 | 11.4% | — |
| 6 | Freedom Mortgage | B | 27 | 11 | 11.1% | 6.25% |
| 7 | Fairway Independent Mortgage | B | 25 | 17 | 8.0% | 6.63% |
| 8 | Mortgage Research Center | C | 25 | 16 | 12.0% | 6.19% |
| 9 | Pennymac Loan Services | C | 23 | 11 | 13.0% | 6.75% |
| 10 | The Central Trust Bank | C | 21 | 9 | 28.6% | 6.88% |
| 11 | Central Missouri Community Credit Union | F | 21 | 10 | 19.1% | 7.25% |
| 12 | Nationstar Mortgage | C | 20 | 18 | 5.0% | 7.06% |
| 13 | Farmers State Bank | D | 20 | 11 | 15.0% | — |
| 14 | Flat Branch Mortgage | A | 19 | 16 | 0.0% | 6.56% |
| 15 | U.S. Bank | D | 18 | 8 | 50.0% | 7.45% |
| 16 | United Shore Financial Services | B | 16 | 11 | 6.3% | 6.37% |
| 17 | Newrez | D | 16 | 5 | 25.0% | 6.25% |
| 18 | Union Home Mortgage | B | 15 | 11 | 6.7% | 6.63% |
| 19 | AmeriSave Mortgage | D | 13 | 2 | 69.2% | 8.63% |
| 20 | Goppert Financial Bank | – | 13 | 12 | 0.0% | — |
| 21 | Primelending, a Plainscapital | A | 13 | 10 | 0.0% | 6.63% |
| 22 | Guild Mortgage | A | 12 | 10 | 8.3% | 6.50% |
| 23 | UMB Bank | B | 11 | 4 | 45.5% | 6.06% |
| 24 | Broker Solutions | D | 11 | 4 | 18.2% | 6.81% |
| 25 | ASSEMBLIES OF GOD Credit Union | A | 11 | 11 | 0.0% | 6.75% |
Best approval odds in Ray County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Leaderone Financial | 64 | 12.5% |
| 2 | Rocket Mortgage | 50 | 20.0% |
What Ray County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ray County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 774 | 480 | 18.6% | 6.88% | $145,000 |
| 2024 | 831 | 506 | 17.3% | 6.75% | $155,000 |
| 2025 | 928 | 587 | 15.7% | 6.63% | $175,000 |
Frequently asked questions
15.7% of applications in Ray County were denied in 2025, against 15.1% statewide in Missouri.
Leaderone Financial, with 74 applications in 2025 and a denial rate of 10.8%.
The median mortgage application in Ray County in 2025 was for $175,000; the median property value on originated loans was $275,000.