MO · Statewide HMDA 2024
Missouri mortgage lending
According to the CFPB HMDA 2024 Snapshot, 889 reporting lenders · 115 counties · 8 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Missouri ranks #19 of 54 by application volume but #24 of 52 states with 10,000+ applications on origination share (54.0%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #24
- Origination-share rank of 52
- 54.0%
- Origination share
- 131,057
- Originated
- 14.0%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
242,730reported applications
CFPB HMDA state filing plate
State MO · Missouri 14.0% denial
VOL-MID · DEN-LIGHT · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MID #19/54
- DEN-LIGHT 14.0%
- NEAR-PEER Alaska
- ORIG-FLOOR 54.0%
- BOOK-FULL 889 lenders
- LEAD-MIX 5% top
Photo-finish peer: Alaska · 14.1% denial (+0.1pp vs Missouri)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Missouri
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Missouri: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (14.0% here).
Similar application volume
Nearest states by HMDA applications filed (242,730 here).
Top lenders by originations · Missouri
Funded loans among HMDA-reporting institutions active in this state.
Where Missouri sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
242,730 Top 35% higher than 65% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Missouri
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Missouri filed 242,730 HMDA-reported applications in 2024 (#19 of 54 by volume) with a 14.0% denial rate - 3.2pp below the national 17.2% baseline. White applicants (156,121 apps) show 14.7% denial; Black or African American applicants (14,801 apps) show 24.2% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Missouri
Top HMDA-reporting lenders active in Missouri. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Flat Branch Mortgage, INC. | 6,842 | 5.2% |
| 2 | Rocket Mortgage | 6,468 | 4.9% |
| 3 | The Central Trust Bank | 4,795 | 3.7% |
| 4 | Guild Mortgage Company | 4,474 | 3.4% |
| 5 | United Wholesale Mortgage | 4,397 | 3.4% |
Reported outcomes by applicant race in Missouri
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 156,121 | 62.3% | 14.7% |
| Black or African American | 14,801 | 46.8% | 24.2% |
| Asian | 5,465 | 56.2% | 13.2% |
| Joint | 4,190 | 60.8% | 14.3% |
| American Indian or Alaska Native | 1,218 | 46.4% | 25.4% |
| 2 or more minority races | 369 | 38.5% | 34.1% |
| Native Hawaiian or Other Pacific Islander | 314 | 44.3% | 23.9% |
Every county in Missouri, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| St. Louis County | 38,020 | 20,666 | 13.8% | $243,158 |
| Jackson County | 30,259 | 16,114 | 14.7% | $233,537 |
| St. Charles County | 19,129 | 10,601 | 12.4% | $269,916 |
| Greene County | 12,194 | 6,847 | 12.2% | $217,389 |
| Clay County | 11,402 | 6,418 | 12.9% | $234,208 |
| Jefferson County | 10,874 | 5,853 | 14.3% | $193,007 |
| St. Louis City | 9,602 | 4,967 | 15.0% | $225,694 |
| Boone County | 6,236 | 3,484 | 10.8% | $258,804 |
| Cass County | 5,277 | 2,890 | 13.2% | $244,373 |
| Jasper County | 5,234 | 2,843 | 12.8% | $157,902 |
| Christian County | 4,450 | 2,479 | 12.5% | $233,858 |
| Platte County | 4,378 | 2,489 | 13.1% | $295,391 |
| Franklin County | 3,878 | 2,218 | 13.6% | $203,801 |
| Buchanan County | 3,104 | 1,780 | 13.4% | $163,241 |
| Camden County | 3,058 | 1,731 | 13.4% | $287,430 |
| Lincoln County | 3,030 | 1,632 | 14.4% | $292,693 |
| Cole County | 2,889 | 1,806 | 8.3% | $194,315 |
| Cape Girardeau County | 2,749 | 1,587 | 13.5% | $177,546 |
| Johnson County | 2,408 | 1,390 | 8.6% | $233,027 |
| St. Francois County | 2,359 | 1,313 | 16.8% | $170,197 |
| Newton County | 2,359 | 1,156 | 16.1% | $182,753 |
| Taney County | 2,276 | 1,155 | 16.6% | $197,992 |
| Pulaski County | 2,265 | 1,110 | 13.7% | $201,128 |
| Warren County | 1,806 | 1,013 | 13.7% | $237,658 |
| Stone County | 1,731 | 968 | 16.3% | $238,547 |
| Webster County | 1,688 | 895 | 15.8% | $193,442 |
| Pettis County | 1,658 | 816 | 15.7% | $169,692 |
| Callaway County | 1,629 | 901 | 13.4% | $188,069 |
| Lawrence County | 1,558 | 787 | 17.4% | $162,484 |
| Laclede County | 1,466 | 665 | 17.3% | $165,600 |
| Butler County | 1,375 | 794 | 10.9% | $149,204 |
| Polk County | 1,344 | 721 | 15.6% | $189,717 |
| Lafayette County | 1,331 | 798 | 10.7% | $190,019 |
| Scott County | 1,266 | 659 | 16.6% | $138,183 |
| Barry County | 1,201 | 633 | 17.6% | $171,503 |
| Phelps County | 1,098 | 525 | 15.8% | $186,111 |
| Miller County | 1,040 | 536 | 18.2% | $190,462 |
| Benton County | 970 | 546 | 14.5% | $159,588 |
| Ray County | 961 | 505 | 15.0% | $181,608 |
| Howell County | 951 | 468 | 15.0% | $180,973 |
| Clinton County | 949 | 515 | 13.6% | $197,856 |
| Henry County | 946 | 462 | 16.5% | $162,104 |
| Morgan County | 881 | 453 | 15.9% | $221,856 |
| Randolph County | 879 | 483 | 13.4% | $165,808 |
| Audrain County | 845 | 404 | 15.9% | $143,036 |
| Marion County | 808 | 460 | 11.4% | $152,673 |
| Stoddard County | 760 | 413 | 14.2% | $139,434 |
| McDonald County | 727 | 319 | 20.2% | $165,234 |
| Saline County | 726 | 388 | 12.7% | $136,832 |
| Washington County | 721 | 328 | 22.1% | $159,022 |
| Perry County | 710 | 359 | 16.8% | $166,099 |
| Crawford County | 686 | 363 | 14.1% | $165,641 |
| Texas County | 685 | 309 | 21.5% | $156,591 |
| Cooper County | 653 | 377 | 10.6% | $193,851 |
| Dallas County | 652 | 338 | 15.3% | $174,034 |
| Bates County | 641 | 366 | 17.0% | $180,070 |
| Adair County | 624 | 324 | 15.4% | $148,462 |
| Ste. Genevieve County | 593 | 335 | 14.8% | $193,836 |
| Andrew County | 590 | 333 | 13.6% | $192,271 |
| Vernon County | 575 | 305 | 15.8% | $151,348 |
| Nodaway County | 569 | 358 | 13.7% | $168,058 |
| Wright County | 553 | 281 | 15.9% | $163,246 |
| Dunklin County | 539 | 229 | 18.9% | $124,777 |
| Moniteau County | 522 | 295 | 16.1% | $166,743 |
| Cedar County | 519 | 264 | 17.5% | $155,039 |
| Pike County | 503 | 253 | 16.9% | $147,604 |
| Gasconade County | 427 | 220 | 16.9% | $167,927 |
| Ripley County | 403 | 199 | 18.4% | $145,273 |
| Hickory County | 397 | 226 | 17.9% | $143,741 |
| Livingston County | 394 | 207 | 18.3% | $146,904 |
| Osage County | 381 | 250 | 9.7% | $189,383 |
| Linn County | 364 | 213 | 17.0% | $118,132 |
| Montgomery County | 361 | 187 | 16.9% | $172,258 |
| New Madrid County | 361 | 173 | 18.3% | $122,978 |
| Dent County | 359 | 146 | 22.3% | $171,964 |
| Barton County | 353 | 178 | 10.8% | $147,011 |
| Caldwell County | 352 | 190 | 15.9% | $177,784 |
| Madison County | 344 | 183 | 15.1% | $146,308 |
| Macon County | 343 | 155 | 23.6% | $143,688 |
| Pemiscot County | 322 | 118 | 25.8% | $116,149 |
| Wayne County | 320 | 162 | 14.4% | $138,125 |
| DeKalb County | 313 | 197 | 12.1% | $186,278 |
| Ralls County | 313 | 174 | 13.1% | $174,936 |
| Bollinger County | 307 | 166 | 14.3% | $161,547 |
| Iron County | 297 | 155 | 16.8% | $144,731 |
| Howard County | 287 | 177 | 15.0% | $175,105 |
| Douglas County | 286 | 160 | 12.6% | $172,483 |
| Dade County | 269 | 133 | 20.1% | $133,587 |
| Oregon County | 246 | 144 | 10.6% | $136,585 |
| Maries County | 244 | 139 | 9.8% | $190,369 |
| Mississippi County | 234 | 95 | 23.1% | $112,821 |
| Daviess County | 228 | 144 | 16.7% | $204,561 |
| St. Clair County | 227 | 104 | 26.0% | $157,555 |
| Grundy County | 223 | 144 | 11.7% | $117,735 |
| Ozark County | 219 | 118 | 16.0% | $180,342 |
| Monroe County | 193 | 102 | 17.6% | $141,736 |
| Lewis County | 192 | 88 | 14.6% | $150,104 |
| Harrison County | 190 | 112 | 17.9% | $137,421 |
| Carroll County | 189 | 103 | 16.9% | $140,820 |
| Gentry County | 179 | 119 | 14.0% | $128,687 |
| Reynolds County | 168 | 79 | 21.4% | $144,524 |
| Chariton County | 167 | 109 | 10.8% | $149,072 |
| Carter County | 157 | 87 | 11.5% | $189,013 |
| Shannon County | 145 | 65 | 21.4% | $158,793 |
| Holt County | 140 | 79 | 9.3% | $153,643 |
| Sullivan County | 104 | 51 | 19.2% | $159,712 |
| Atchison County | 101 | 65 | 10.9% | $148,861 |
| Shelby County | 88 | 36 | 17.1% | $113,523 |
| Putnam County | 87 | 36 | 27.6% | $196,724 |
| Mercer County | 73 | 37 | 27.4% | $105,137 |
| Knox County | 66 | 26 | 25.8% | $125,455 |
| Clark County | 64 | 29 | 26.6% | $174,219 |
| Schuyler County | 58 | 29 | 19.0% | $151,552 |
| Scotland County | 49 | 25 | 10.2% | $123,163 |
| Worth County | 43 | 23 | 23.3% | $100,814 |
Metro Areas in Missouri
Frequently Asked Questions
How many mortgage applications were filed in Missouri?
Where does Missouri sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Missouri?
What is the average mortgage loan amount in Missouri?
How many mortgage lenders operate in Missouri?
How do mortgage denial rates vary by demographics in Missouri?
Which counties in Missouri have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.