Largest lenders in Warren County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Community | F | 98 | 50 | 32.7% | 6.75% |
| 2 | Guild Mortgage | A | 90 | 67 | 2.2% | 6.63% |
| 3 | Flat Branch Mortgage | A | 79 | 66 | 1.3% | 6.50% |
| 4 | First State Community Bank | C | 79 | 61 | 7.6% | 7.00% |
| 5 | Broker Solutions | D | 76 | 46 | 4.0% | 6.88% |
| 6 | Rocket Mortgage | C | 72 | 50 | 16.7% | 6.63% |
| 7 | U.S. Bank | D | 60 | 37 | 20.0% | 6.88% |
| 8 | DAS Acquisition Company | B | 57 | 51 | 3.5% | 6.63% |
| 9 | United Shore Financial Services | B | 56 | 39 | 8.9% | 6.38% |
| 10 | First State Bank of St. Charles, Missouri | A | 53 | 53 | 0.0% | 6.50% |
| 11 | Pennymac Loan Services | C | 45 | 25 | 11.1% | 6.13% |
| 12 | Newrez | D | 45 | 18 | 20.0% | 6.69% |
| 13 | Mortgage Research Center | C | 38 | 21 | 18.4% | 6.25% |
| 14 | Freedom Mortgage | B | 35 | 21 | 2.9% | 6.25% |
| 15 | PNC Bank | D | 32 | 22 | 15.6% | 7.40% |
| 16 | American Pacific Mortgage | C | 30 | 28 | 0.0% | 6.50% |
| 17 | Stifel Bank and Trust | A | 29 | 26 | 3.5% | 6.25% |
| 18 | The Missouri Bank | A | 27 | 26 | 3.7% | — |
| 19 | Unnamed lender 254900A6RJO3HDSWBD64 | B | 27 | 20 | 0.0% | 6.06% |
| 20 | VANTAGE Credit Union | D | 26 | 19 | 23.1% | 7.25% |
| 21 | Bank of America | F | 23 | 8 | 30.4% | 6.49% |
| 22 | AmeriSave Mortgage | D | 23 | 6 | 65.2% | 6.00% |
| 23 | Gershman Investment | B | 23 | 22 | 0.0% | 6.62% |
| 24 | Vanderbilt Mortgage and Finance | F | 23 | 1 | 56.5% | 10.75% |
| 25 | Commerce Bank | D | 22 | 14 | 18.2% | 5.25% |
Best approval odds in Warren County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First State Bank of St. Charles, Missouri | 53 | 0.0% |
| 2 | Flat Branch Mortgage | 67 | 1.5% |
| 3 | Guild Mortgage | 75 | 2.7% |
| 4 | DAS Acquisition Company | 54 | 3.7% |
| 5 | Broker Solutions | 52 | 5.8% |
| 6 | First State Community Bank | 68 | 8.8% |
| 7 | Rocket Mortgage | 65 | 18.5% |
| 8 | First Community | 82 | 39.0% |
What Warren County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Warren County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,460 | 902 | 17.5% | 6.99% | $185,000 |
| 2024 | 1,580 | 1,018 | 15.7% | 6.88% | $205,000 |
| 2025 | 1,925 | 1,292 | 12.6% | 6.63% | $235,000 |
Frequently asked questions
12.6% of applications in Warren County were denied in 2025, against 15.1% statewide in Missouri.
First Community, with 98 applications in 2025 and a denial rate of 32.7%.
The median mortgage application in Warren County in 2025 was for $235,000; the median property value on originated loans was $325,000.