Largest lenders in Stoddard County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Southern Bank | A | 95 | 79 | 8.4% | 7.50% |
| 2 | First Midwest Bank of Dexter | A | 58 | 54 | 1.7% | — |
| 3 | Flanagan State Bank | D | 51 | 40 | 7.8% | 6.63% |
| 4 | Rocket Mortgage | C | 45 | 27 | 22.2% | 6.63% |
| 5 | Mortgage Research Center | C | 39 | 18 | 15.4% | 6.56% |
| 6 | DAS Acquisition Company | B | 30 | 22 | 3.3% | 6.75% |
| 7 | Pennymac Loan Services | C | 24 | 13 | 12.5% | 6.25% |
| 8 | U.S. Bank | D | 23 | 10 | 39.1% | 6.87% |
| 9 | First State Community Bank | C | 22 | 11 | 18.2% | 7.25% |
| 10 | Regions Bank | C | 19 | 6 | 63.2% | 7.00% |
| 11 | AmeriSave Mortgage | D | 16 | 2 | 87.5% | 7.13% |
| 12 | Flat Branch Mortgage | A | 15 | 12 | 6.7% | 6.38% |
| 13 | 21st Mortgage | F | 13 | 2 | 38.5% | 9.68% |
| 14 | First Midwest Bank of the Ozarks | B | 12 | 10 | 0.0% | — |
| 15 | Freedom Mortgage | B | 12 | 6 | 8.3% | 6.13% |
| 16 | Montgomery Bank | B | 11 | 7 | 27.3% | 8.00% |
| 17 | Newrez | D | 11 | 2 | 18.2% | 6.69% |
| 18 | Guild Mortgage | A | 11 | 8 | 0.0% | 6.38% |
| 19 | Synergy One Lending | C | 11 | 7 | 0.0% | 6.88% |
| 20 | The Bank of Missouri | C | 10 | 7 | 10.0% | 6.88% |
| 21 | Broker Solutions | D | 10 | 4 | 0.0% | 6.69% |
| 22 | Sterling Bank | – | 10 | 9 | 10.0% | — |
| 23 | Loandepot.Com | D | 9 | 3 | 55.6% | 6.99% |
| 24 | Navy Federal Credit Union | D | 9 | 4 | 11.1% | 5.94% |
| 25 | Discover Bank | F | 8 | 0 | 75.0% | — |
Best approval odds in Stoddard County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Midwest Bank of Dexter | 55 | 1.8% |
| 2 | Southern Bank | 87 | 9.2% |
What Stoddard County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stoddard County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 643 | 392 | 17.7% | 6.99% | $115,000 |
| 2024 | 632 | 413 | 17.1% | 6.99% | $115,000 |
| 2025 | 721 | 436 | 18.7% | 6.75% | $125,000 |
Frequently asked questions
18.7% of applications in Stoddard County were denied in 2025, against 15.1% statewide in Missouri.
Southern Bank, with 95 applications in 2025 and a denial rate of 8.4%.
The median mortgage application in Stoddard County in 2025 was for $125,000; the median property value on originated loans was $175,000.