Largest lenders in Vernon County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 42 | 24 | 33.3% | 6.75% |
| 2 | Gershman Investment | B | 39 | 25 | 10.3% | 6.13% |
| 3 | Vanderbilt Mortgage and Finance | F | 38 | 4 | 52.6% | 10.63% |
| 4 | U.S. Bank | D | 34 | 12 | 55.9% | 8.23% |
| 5 | Rocket Mortgage | C | 33 | 23 | 15.2% | 6.63% |
| 6 | Community National Bank & Trust | C | 32 | 30 | 3.1% | 7.64% |
| 7 | Flat Branch Mortgage | A | 32 | 27 | 0.0% | 6.50% |
| 8 | Triad Financial Services | D | 30 | 0 | 80.0% | — |
| 9 | Freedom Mortgage | B | 22 | 13 | 13.6% | 6.13% |
| 10 | Great Southern Bank | C | 20 | 10 | 45.0% | 7.25% |
| 11 | Mortgage Research Center | C | 17 | 8 | 35.3% | 6.44% |
| 12 | Pennymac Loan Services | C | 14 | 9 | 21.4% | 6.50% |
| 13 | LimeBank | – | 13 | 12 | 0.0% | — |
| 14 | DAS Acquisition Company | B | 12 | 8 | 8.3% | 6.25% |
| 15 | United Shore Financial Services | B | 12 | 10 | 0.0% | 6.31% |
| 16 | Citizens Bank | – | 9 | 7 | 22.2% | — |
| 17 | Mid-Missouri Bank | A | 8 | 5 | 12.5% | — |
| 18 | New Day Financial | F | 7 | 1 | 0.0% | 6.63% |
| 19 | Gateway First Bank | B | 7 | 6 | 0.0% | 6.75% |
| 20 | FCS Financial, FLCA | C | 6 | 5 | 16.7% | 7.20% |
| 21 | Newrez | D | 6 | 4 | 16.7% | 6.38% |
| 22 | Old Missouri Bank | B | 6 | 5 | 0.0% | — |
| 23 | Sofi Bank | D | 6 | 0 | 16.7% | — |
| 24 | Click n' Close | C | 6 | 5 | 0.0% | 6.88% |
| 25 | Southwest Stage Funding | F | 6 | 1 | 0.0% | 6.80% |
What Vernon County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Vernon County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 475 | 277 | 22.5% | 6.99% | $115,000 |
| 2024 | 489 | 307 | 18.6% | 6.88% | $125,000 |
| 2025 | 604 | 333 | 24.0% | 6.63% | $125,000 |
Frequently asked questions
24.0% of applications in Vernon County were denied in 2025, against 15.1% statewide in Missouri.
Arvest Bank, with 42 applications in 2025 and a denial rate of 33.3%.
The median mortgage application in Vernon County in 2025 was for $125,000; the median property value on originated loans was $195,000.