Cooper County, MO Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 653 mortgage applications in Cooper County, MO totaling $126.6 million, up 19% from 2023. The average application was for $193,000, and applicants reported an average income of $104,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was The Central Trust Bank, with 71 applications, followed by Flat Branch Mortgage, Inc. and Alliant Bank.

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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 653
Total Mortgage Loan Application Amount $126,585,000
Average Mortgage Loan Application Amount $193,000
Highest Mortgage Loan Application Amount $1,145,000
Average Applicant Income $104,000
Highest Applicant Income $1,288,000

Mortgage Company List for Lending in Cooper County, MO for 2024

* 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 71 $ 10,115,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 43 $ 8,275,000
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ n/a 42 $ 9,070,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ n/a 22 $ 3,000,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 22 $ 6,110,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 21 $ 4,125,000
Citizens Community Bank
100 ROE ST
PILOT GROVE, MO 65276
* $ n/a 21 $ 2,545,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 19 $ 4,615,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 15 $ 3,655,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 14 $ 1,700,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ n/a 13 $ 3,205,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 13 $ 3,375,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 13 $ 3,095,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 2,625,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 11 $ 745,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ n/a 11 $ 1,635,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 10 $ 860,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 8 $ 1,530,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,310,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 8 $ 1,230,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 8 $ 1,490,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 960,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 7 $ 1,085,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 1,695,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 2,045,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ n/a 6 $ 1,530,000
West Community Credit Union
4161 STATE HWY K
O'FALLON, MO 63368
* $ n/a 6 $ 1,280,000
The Tipton Latham Bank, NA
800 W. HWY 50; PO BOX 759
TIPTON, MO 65081
* $ n/a 6 $ 2,030,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ n/a 5 $ 1,515,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ n/a 5 $ 1,345,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 5 $ 485,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 5 $ 1,925,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 5 $ 1,245,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 5 $ 1,085,000
Peoples Bank of Moniteau County
105 W ROW STREET
JAMESTOWN, MO 65046
* $ n/a 5 $ 565,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ n/a 5 $ 915,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 5 $ 995,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 4 $ 320,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 680,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 4 $ 1,200,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 760,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 4 $ 770,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ n/a 4 $ 530,000
Connections Bank
PO BOX 380
PLATTE CITY, MO 64079
* $ n/a 4 $ 680,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ n/a 3 $ 675,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 3 $ 145,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 3 $ 295,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ n/a 3 $ 555,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 3 $ 385,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 3 $ 425,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ n/a 3 $ 695,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 3 $ 645,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ n/a 3 $ 375,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 500,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 2 $ 160,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 2 $ 410,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 330,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 310,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 470,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 520,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 370,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 360,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 2 $ 420,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ n/a 2 $ 80,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 370,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 190,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ n/a 2 $ 320,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ n/a 2 $ 860,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 380,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 2 $ 90,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ n/a 1 $ 25,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 1 $ 245,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 205,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 95,000
Infuze Credit Union
1300 U.S. RT. 66
WAYNESVILLE, MO 65583
* $ n/a 1 $ 55,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 155,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 195,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ n/a 1 $ 715,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ n/a 1 $ 45,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ n/a 1 $ 105,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 45,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 185,000
Peoples Savings Bank
101 BLUFF STREET
RHINELAND, MO 65069
* $ n/a 1 $ 195,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ n/a 1 $ 265,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 105,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 325,000
Midwest Regional Bank
363 FESTUS CENTRE DRIVE
FESTUS, MO 63028
* $ n/a 1 $ 15,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 205,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ n/a 1 $ 805,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 1,145,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 325,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 105,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 65,000
Sovereign Bank
130 E MACARTHUR
SHAWNEE, OK 74804
* $ n/a 1 $ 125,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 135,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ n/a 1 $ 195,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ n/a 1 $ 395,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 335,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 1 $ 125,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 1 $ 385,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ n/a 1 $ 335,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ n/a 1 $ 385,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 155,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ n/a 1 $ 335,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 165,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 125,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 105,000

The tables below break down 2024 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 2024

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 354 $80,120,000 $226,000 $1,135,000 $113,000 $1,243,000
Cash-out Refinancing 118 $21,220,000 $179,000 $1,145,000 $84,000 $290,000
Refinancing 90 $19,080,000 $212,000 $765,000 $120,000 $1,288,000
Other Purpose 48 $3,750,000 $78,000 $245,000 $98,000 $243,000
Home Improvement 43 $2,415,000 $56,000 $205,000 $83,000 $190,000
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 455 $88,365,000 $194,000 $1,145,000 $109,000 $1,288,000
Not applicable 101 $22,415,000 $221,000 $675,000 $48,000 $48,000
Not Provided 67 $11,235,000 $167,000 $655,000 $87,000 $280,000
Black or African American 15 $2,635,000 $175,000 $405,000 $71,000 $136,000
Hispanic 10 $1,230,000 $123,000 $235,000 $84,000 $138,000
American Indian or Alaskan Native 2 $200,000 $100,000 $155,000 $65,000 $87,000
Asian 2 $380,000 $190,000 $215,000 $128,000 $171,000
Native Hawaiian or Other Pacific Islander 1 $125,000 $125,000 $125,000 $49,000 $49,000

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) 439 $76,795,000 $174,000 $1,135,000 $111,000 $1,288,000
FHA-insured (Federal Housing Administration) 101 $20,635,000 $204,000 $405,000 $70,000 $183,000
VA-guaranteed (Veterans Administration) 81 $23,275,000 $287,000 $1,145,000 $118,000 $445,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $5,880,000 $183,000 $255,000 $69,000 $115,000

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 377 $72,965,000 $193,000 $1,145,000 $110,000 $1,288,000
Application Withdrawn By Applicant 84 $18,400,000 $219,000 $805,000 $112,000 $1,121,000
Loan Purchased By The Institution 78 $18,660,000 $239,000 $595,000 $58,000 $111,000
Application Denied By Financial Institution 69 $9,305,000 $134,000 $765,000 $75,000 $303,000
File Closed For Incompleteness 25 $3,565,000 $142,000 $345,000 $77,000 $246,000
Application Approved But Not Accepted 18 $3,360,000 $186,000 $405,000 $130,000 $739,000
Preapproval Approved but not Accepted 2 $330,000 $165,000 $185,000 $37,000 $43,000
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 505 $104,635,000 $207,000 $1,145,000 $106,000 $1,243,000
Debt-To-Income Ratio 100 $15,870,000 $158,000 $1,135,000 $110,000 $1,288,000
Credit History 18 $1,430,000 $79,000 $245,000 $74,000 $125,000
Credit Application Incomplete 10 $1,250,000 $125,000 $215,000 $67,000 $93,000
Collateral 9 $1,885,000 $209,000 $765,000 $115,000 $303,000
Other 4 $450,000 $112,000 $245,000 $84,000 $106,000
Unverifiable Information 4 $570,000 $142,000 $185,000 $65,000 $113,000
Insufficient Cash (Downpayment, Closing Cost) 3 $495,000 $165,000 $215,000 $70,000 $93,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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