Cooper County, MO Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 633 mortgage applications in Cooper County, MO totaling $131.2 million, down 3% from 2024. The average application was for $207,000, and applicants reported an average income of $100,000. 55% of applications resulted in an originated loan and 12% were denied. The most active lender was The Central Trust Bank, with 60 applications, followed by Alliant Bank and Flat Branch Mortgage, Inc..

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 633
Total Mortgage Loan Application Amount $131,245,000
Average Mortgage Loan Application Amount $207,000
Highest Mortgage Loan Application Amount $1,175,000
Average Applicant Income $100,000
Highest Applicant Income $500,000

Mortgage Company List for Lending in Cooper County, MO for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 60 $ 9,700,000
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ n/a 48 $ 8,180,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 43 $ 9,735,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 31 $ 11,125,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ n/a 26 $ 4,870,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ n/a 25 $ 5,565,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 22 $ 4,550,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 21 $ 5,975,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 17 $ 4,825,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 16 $ 3,430,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 15 $ 2,695,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ n/a 15 $ 2,565,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 14 $ 3,280,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ n/a 11 $ 1,435,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 10 $ 2,810,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ n/a 7 $ 1,985,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 2,135,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 7 $ 855,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ n/a 7 $ 335,000
Peoples Bank of Moniteau County
105 W ROW STREET
JAMESTOWN, MO 65046
* $ n/a 6 $ 810,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ n/a 6 $ 1,470,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,660,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 6 $ 1,690,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 6 $ 560,000
Connections Bank
PO BOX 380
PLATTE CITY, MO 64079
* $ n/a 6 $ 820,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 980,000
West Community Credit Union
4161 STATE HWY K
O'FALLON, MO 63368
* $ n/a 5 $ 785,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 5 $ 475,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 4 $ 1,340,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ n/a 4 $ 500,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 670,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 890,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 3 $ 635,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 3 $ 235,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 3 $ 205,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 3 $ 325,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 235,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 3 $ 295,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ n/a 3 $ 645,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 295,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 315,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 3 $ 395,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ n/a 3 $ 515,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 3 $ 265,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 3 $ 595,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ n/a 3 $ 845,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 760,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 180,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 2 $ 330,000
Midwest Regional Bank
363 FESTUS CENTRE DRIVE
FESTUS, MO 63028
* $ n/a 2 $ 360,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 2 $ 330,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ n/a 2 $ 780,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 530,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 470,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 270,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 250,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ n/a 2 $ 380,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 650,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 210,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 2 $ 60,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 540,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 380,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ n/a 2 $ 380,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 380,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 450,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ n/a 2 $ 110,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 390,000
The Tipton Latham Bank, NA
800 W. HWY 50; PO BOX 759
TIPTON, MO 65081
* $ n/a 2 $ 700,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 390,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 2 $ 700,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 560,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 390,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ n/a 2 $ 560,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 245,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 305,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 335,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 215,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 225,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 495,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 1 $ 105,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 295,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 1,145,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ n/a 1 $ 245,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 195,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ n/a 1 $ 65,000
First Midwest Bank of the Ozarks
P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD
POPLAR BLUFF, MO 63901
* $ n/a 1 $ 75,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 145,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 225,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 85,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 385,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ n/a 1 $ 445,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 1 $ 155,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 1 $ 105,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 25,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 65,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ n/a 1 $ 295,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 75,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 645,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ n/a 1 $ 455,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 1 $ 235,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 35,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ n/a 1 $ 35,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 245,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 175,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ n/a 1 $ 105,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ n/a 1 $ 105,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 305,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 185,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 445,000
The Missouri Bank
104 N HWY 47
WARRENTON, MO 63383
* $ n/a 1 $ 195,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 345,000

The tables below break down 2025 mortgage applications in Cooper County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Cooper County, MO in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 351 $78,365,000 $223,000 $655,000 $99,000 $433,000
Cash-out Refinancing 104 $21,350,000 $205,000 $695,000 $98,000 $445,000
Refinancing 99 $24,905,000 $251,000 $1,175,000 $103,000 $336,000
Other Purpose 49 $4,205,000 $85,000 $495,000 $108,000 $500,000
Home Improvement 30 $2,420,000 $80,000 $465,000 $101,000 $330,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 451 $94,825,000 $210,000 $1,175,000 $102,000 $500,000
Not applicable 85 $17,805,000 $209,000 $605,000 $98,000 $160,000
Not Provided 68 $13,540,000 $199,000 $605,000 $91,000 $195,000
Hispanic 10 $2,150,000 $215,000 $485,000 $95,000 $227,000
Black or African American 9 $1,195,000 $132,000 $265,000 $55,000 $127,000
American Indian or Alaskan Native 4 $790,000 $197,000 $335,000 $108,000 $142,000
Asian 3 $545,000 $181,000 $295,000 $94,000 $115,000
Native Hawaiian or Other Pacific Islander 3 $395,000 $131,000 $175,000 $72,000 $131,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 410 $72,100,000 $175,000 $655,000 $105,000 $500,000
VA-guaranteed (Veterans Administration) 103 $33,675,000 $326,000 $1,175,000 $97,000 $207,000
FHA-insured (Federal Housing Administration) 94 $21,170,000 $225,000 $525,000 $82,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 26 $4,300,000 $165,000 $265,000 $75,000 $139,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 349 $73,785,000 $211,000 $1,145,000 $108,000 $433,000
Application Withdrawn By Applicant 86 $17,110,000 $198,000 $675,000 $97,000 $500,000
Loan Purchased By The Institution 76 $17,270,000 $227,000 $605,000 $93,000 $186,000
Application Denied By Financial Institution 74 $12,260,000 $165,000 $1,175,000 $74,000 $184,000
File Closed For Incompleteness 24 $6,820,000 $284,000 $1,155,000 $104,000 $445,000
Application Approved But Not Accepted 23 $3,765,000 $163,000 $455,000 $82,000 $203,000
Preapproval Approved but not Accepted 1 $235,000 $235,000 $235,000 $61,000 $61,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 464 $100,220,000 $215,000 $1,155,000 $101,000 $500,000
Debt-To-Income Ratio 120 $22,390,000 $186,000 $655,000 $104,000 $358,000
Credit History 15 $2,275,000 $151,000 $265,000 $96,000 $184,000
Credit Application Incomplete 13 $1,915,000 $147,000 $385,000 $68,000 $118,000
Collateral 10 $1,440,000 $144,000 $355,000 $75,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,235,000 $247,000 $635,000 $92,000 $134,000
Other 4 $1,400,000 $350,000 $1,175,000 $50,000 $103,000
Unverifiable Information 1 $15,000 $15,000 $15,000 $84,000 $84,000
Employment History 1 $355,000 $355,000 $355,000 $94,000 $94,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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