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Central Missouri Community Credit Union

WARRENSBURG, MO

Central Missouri Community Credit Union processed 111 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 41 loans with a 36.9% denial rate. Cash-out Refinancing was the primary loan purpose. Based in WARRENSBURG, MO. The approval rate of 36.9% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Central Missouri Community Credit Union's 36.9% origination rate tells you how often an application turned into funded money; the 36.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (104 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

111
Applications
41
Originated
36.9%
Denial Rate
$107,613
Avg Loan Amount
Avg Interest Rate: 6.738% Avg Applicant Income: $33,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 104 41 37 $107,596
FHA 3 0 1 $181,667
VA 2 0 1 $100,000
USDA 2 0 2 $5,000

Top loan types - Central Missouri Community Credit Union

Top loan types - Central Missouri Community Credit Union Horizontal bar chart of the top 4 items by value (applications). Top loan types - Central Missouri Community Credit Union Top 4 1. Conventional 104 2. FHA 3 3. VA 2 4. USDA 2 Top 5 loan types by application volume at Central Missouri Community Credit Union (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Central Missouri Community Credit Union (LEI: 549300IGNOIAXDMNRD90) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
25
Credit history
13
Collateral
2
Employment history
2
Unverifiable information
1
Insufficient cash
1
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Cash-out Refinancing 61 32 $82,705
Home Purchase 42 7 $137,381
Refinancing 8 2 $141,250

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 100 37.0% 37.0%
Asian * 1 100.0% 0.0%
Black or African American * 1 0.0% 100.0%
Joint * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 94 38.3% 36.2%
Joint * 5 40.0% 60.0%
Hispanic or Latino * 2 50.0% 50.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

Nbkc Bank

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

Flat Branch Mortgage, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

Das Acquisition Company, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

The Central Trust Bank

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare Central Missouri Community Credit Union vs Mortgage Research Center →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Central Missouri Community Credit Union process?
Central Missouri Community Credit Union processed 111 mortgage applications in the 2024 HMDA reporting year. Of these, 41 were originated (approved and funded), 22 were withdrawn by the applicant, and 41 were denied.
What is Central Missouri Community Credit Union's mortgage approval rate?
Central Missouri Community Credit Union has an approval (origination) rate of 36.9%, meaning 36.9% of all applications resulted in a funded mortgage. The denial rate is 36.9%.
What is the average loan amount at Central Missouri Community Credit Union?
The average mortgage loan amount at Central Missouri Community Credit Union is $107,613. The average interest rate is 6.738%. The average applicant income is $33,000.
What are the most common reasons for mortgage denial at Central Missouri Community Credit Union?
The most common reasons for mortgage denial at Central Missouri Community Credit Union are: Debt-to-income ratio, Credit history, Collateral. In total, 41 applications were denied out of 111 total applications.
What types of mortgage loans does Central Missouri Community Credit Union offer?
Central Missouri Community Credit Union processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 104 applications and an average loan amount of $107,596.
What loan purposes does Central Missouri Community Credit Union serve?
Central Missouri Community Credit Union serves the following loan purposes: Cash-out Refinancing (61 applications), Home Purchase (42 applications), Refinancing (8 applications). Cash-out Refinancing is the most common purpose.
Where is Central Missouri Community Credit Union located?
Central Missouri Community Credit Union is headquartered in WARRENSBURG, MO. The lender is identified by LEI 549300IGNOIAXDMNRD90 in HMDA data.
How does Central Missouri Community Credit Union compare in lending across racial demographics?
Central Missouri Community Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 37.0% and denial rate of 37.0%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%; Black or African American applicants have an approval rate of 0.0% and denial rate of 100.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.