Largest lenders in Stone County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | C | 138 | 86 | 12.3% | 6.88% |
| 2 | Arvest Bank | C | 117 | 71 | 18.0% | 7.00% |
| 3 | Rocket Mortgage | C | 108 | 84 | 13.9% | 6.75% |
| 4 | 21st Mortgage | F | 61 | 12 | 42.6% | 9.41% |
| 5 | Flat Branch Mortgage | A | 60 | 49 | 0.0% | 6.75% |
| 6 | Southern Bank | A | 48 | 41 | 4.2% | 7.50% |
| 7 | Unnamed lender 5493001Q8FNQ5TSRE594 | A | 48 | 47 | 0.0% | 7.50% |
| 8 | U.S. Bank | D | 47 | 26 | 34.0% | 7.90% |
| 9 | Generations Bank | B | 46 | 27 | 17.4% | 7.00% |
| 10 | Great Southern Bank | C | 45 | 32 | 20.0% | 6.81% |
| 11 | Mortgage Research Center | C | 41 | 18 | 12.2% | 6.25% |
| 12 | Pennymac Loan Services | C | 35 | 19 | 11.4% | 6.50% |
| 13 | Gershman Investment | B | 34 | 25 | 8.8% | 6.63% |
| 14 | Simmons Bank | C | 33 | 17 | 24.2% | 4.99% |
| 15 | Freedom Mortgage | B | 30 | 18 | 6.7% | 6.06% |
| 16 | Loandepot.Com | D | 30 | 22 | 13.3% | 6.99% |
| 17 | Newrez | D | 29 | 9 | 6.9% | 6.63% |
| 18 | Broker Solutions | D | 29 | 13 | 3.5% | 7.25% |
| 19 | Vanderbilt Mortgage and Finance | F | 29 | 2 | 41.4% | 10.50% |
| 20 | AmeriSave Mortgage | D | 28 | 8 | 60.7% | 6.63% |
| 21 | BluCurrent Credit Union | A | 28 | 22 | 7.1% | 7.00% |
| 22 | United Shore Financial Services | B | 28 | 19 | 10.7% | 6.63% |
| 23 | Commerce Bank | D | 26 | 18 | 15.4% | 6.63% |
| 24 | Freedom Bank of Southern Missouri | A | 18 | 17 | 0.0% | — |
| 25 | Navy Federal Credit Union | D | 17 | 8 | 35.3% | 6.31% |
Best approval odds in Stone County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 101 | 14.9% |
| 2 | The Central Trust Bank | 105 | 16.2% |
| 3 | Arvest Bank | 92 | 22.8% |
What Stone County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stone County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,461 | 879 | 17.5% | 7.13% | $185,000 |
| 2024 | 1,576 | 974 | 18.0% | 7.00% | $175,000 |
| 2025 | 1,906 | 1,172 | 15.1% | 6.88% | $195,000 |
Frequently asked questions
15.1% of applications in Stone County were denied in 2025, against 15.1% statewide in Missouri.
The Central Trust Bank, with 138 applications in 2025 and a denial rate of 12.3%.
The median mortgage application in Stone County in 2025 was for $195,000; the median property value on originated loans was $365,000.