Missouri Mortgage Lending
885 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 242,582 HMDA-reported mortgage applications in Missouri in 2024, originating 130,974 loans and denying 33,952. That puts the statewide denial rate at 14.0% and the approval (origination) rate at 54.0%. The average loan amount across Missouri was $219,793 at an average note rate of 7.06%. 885 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 115 counties and 10 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 62.3% and denial rate of 14.7%; while Black or African American applicants had an approval rate of 46.8% and denial rate of 24.2%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include St. Louis County, Jackson County, St. Charles County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
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. | 6,838 | 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% |
Lending by Race in Missouri
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 156,028 | 62.3% | 14.7% |
| Black or African American | 14,788 | 46.8% | 24.2% |
| Asian | 5,464 | 56.2% | 13.2% |
| Joint | 4,188 | 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% |
Counties in Missouri
| 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?
What is the mortgage denial rate in Missouri?
What is the average mortgage loan amount in Missouri?
How many mortgage lenders operate in Missouri?
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Which counties in Missouri have the most mortgage activity?
Mortgage Lending Guides
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.
