Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First State Community Bank | C | 148 | 92 | 13.5% | 6.75% |
| 2 | Guild Mortgage | A | 63 | 48 | 1.6% | 6.63% |
| 3 | Rocket Mortgage | C | 40 | 19 | 32.5% | 6.50% |
| 4 | UNICO Bank | B | 38 | 34 | 10.5% | — |
| 5 | 21st Mortgage | F | 34 | 5 | 61.8% | 8.85% |
| 6 | U.S. Bank | D | 20 | 12 | 35.0% | 6.81% |
| 7 | United Shore Financial Services | B | 19 | 14 | 5.3% | 6.56% |
| 8 | Mortgage Research Center | C | 18 | 12 | 11.1% | 6.75% |
| 9 | Pennymac Loan Services | C | 16 | 9 | 6.3% | 6.38% |
| 10 | Broker Solutions | D | 16 | 6 | 37.5% | 6.63% |
| 11 | Freedom Mortgage | B | 15 | 5 | 20.0% | 6.75% |
| 12 | Loandepot.Com | D | 15 | 8 | 33.3% | 6.74% |
| 13 | DAS Acquisition Company | B | 12 | 8 | 0.0% | 7.19% |
| 14 | Gershman Investment | B | 12 | 6 | 0.0% | 6.31% |
| 15 | Triad Financial Services | D | 11 | 1 | 63.6% | 9.73% |
| 16 | Sullivan Bank | A | 10 | 8 | 0.0% | 7.50% |
| 17 | Vanderbilt Mortgage and Finance | F | 10 | 1 | 30.0% | 8.75% |
| 18 | AmeriSave Mortgage | D | 9 | 1 | 66.7% | 6.63% |
| 19 | New Day Financial | F | 9 | 2 | 44.4% | 6.24% |
| 20 | Ozarks Federal Savings and Loan Association | C | 9 | 7 | 0.0% | 6.88% |
| 21 | First Community | F | 8 | 4 | 12.5% | 6.18% |
| 22 | American Pacific Mortgage | C | 8 | 5 | 12.5% | 6.63% |
| 23 | Newrez | D | 7 | 3 | 14.3% | 5.63% |
| 24 | Flat Branch Mortgage | A | 5 | 4 | 0.0% | 6.75% |
Best approval odds in Washington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 54 | 1.9% |
| 2 | First State Community Bank | 115 | 17.4% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 562 | 287 | 24.7% | 7.13% | $115,000 |
| 2024 | 660 | 330 | 24.1% | 7.05% | $125,000 |
| 2025 | 695 | 387 | 19.3% | 6.63% | $155,000 |
Frequently asked questions
19.3% of applications in Washington County were denied in 2025, against 15.1% statewide in Missouri.
First State Community Bank, with 148 applications in 2025 and a denial rate of 13.5%.
The median mortgage application in Washington County in 2025 was for $155,000; the median property value on originated loans was $245,000.