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St. Francois County, Missouri · 2025

Mortgage lenders in St. Francois County, MO: denial rates and top lenders (2025)

159 lenders acted on 2,276 mortgage applications for properties in St. Francois County in 2025. 16.5% were denied (Missouri: 15.1%). Median rate on closed loans 6.75%; median loan $155,000; median property value $235,000.

2.3kApplications
16.5%Denial ratestate 15.1%
6.75%Median ratestate 6.63%
$155,000Median loan
$235,000Median property value

Largest lenders in St. Francois County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First State Community Bank C 467323 13.7%6.88%
2 Guild Mortgage A 367278 1.6%6.63%
3 Rocket Mortgage C 11571 25.2%6.49%
4 Ozarks Federal Savings and Loan Association C 10166 13.9%7.38%
5 U.S. Bank D 8739 41.4%8.35%
6 Mortgage Research Center C 7841 26.9%6.25%
7 United Shore Financial Services B 5441 9.3%6.50%
8 Pennymac Loan Services C 5226 11.5%6.13%
9 Freedom Mortgage B 4620 8.7%6.25%
10 Broker Solutions D 4621 10.9%6.99%
11 Gershman Investment B 4332 0.0%6.63%
12 DAS Acquisition Company B 4135 0.0%6.75%
13 21st Mortgage F 3913 48.7%9.89%
14 Newrez D 3711 27.0%6.50%
15 UNICO Bank B 3429 8.8%—
16 First Community F 3115 38.7%6.50%
17 New Day Financial F 289 25.0%6.75%
18 Loandepot.Com D 2810 32.1%6.75%
19 AmeriSave Mortgage D 264 65.4%7.81%
20 Nationstar Mortgage C 2313 26.1%7.49%
21 Navy Federal Credit Union D 2213 9.1%6.38%
22 Flat Branch Mortgage A 2014 5.0%6.63%
23 Commerce Bank D 198 21.1%7.13%
24 Spring Eq D 174 47.1%8.66%
25 American Pacific Mortgage C 1713 11.8%6.63%

Best approval odds in St. Francois County

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

#LenderDecidedDecision denial rate
1Guild Mortgage3052.0%
2First State Community Bank39616.2%
3Ozarks Federal Savings and Loan Association8217.1%
4Rocket Mortgage10427.9%
5Mortgage Research Center6233.9%
6U.S. Bank7647.4%

What St. Francois County borrowers applied for

By loan purpose

Home purchase 1,151 51% · 9.9% denied
Refinance 321 14% · 11.5% denied
Cash-out refinance 417 18% · 26.1% denied
Home improvement 184 8% · 27.7% denied
Other / HELOC 203 9% · 32.0% denied

By loan type

Conventional 1,381 61% · 18.5% denied
FHA 438 19% · 14.6% denied
VA 265 12% · 16.2% denied
USDA / RHS 192 8% · 6.8% denied

Why applications were denied

Credit history 144 39%
Debt-to-income ratio 81 22%
Collateral 66 18%
Incomplete application 37 10%
Other 21 6%
Insufficient cash 10 3%
Unverifiable information 7 2%
Employment history 2 1%

St. Francois County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,9731,22616.5%6.99%$125,000
20242,1581,31318.4%6.99%$135,000
20252,2761,38716.5%6.75%$155,000

Frequently asked questions

16.5% of applications in St. Francois County were denied in 2025, against 15.1% statewide in Missouri.

First State Community Bank, with 467 applications in 2025 and a denial rate of 13.7%.

The median mortgage application in St. Francois County in 2025 was for $155,000; the median property value on originated loans was $235,000.