Macon County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 382 mortgage applications in Macon County, MO totaling $59.3 million, up 11% from 2024. The average application was for $155,000, and applicants reported an average income of $84,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was US Bank, N.A., with 31 applications, followed by Flat Branch Mortgage, Inc. and Mortgage Research Center.
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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 | 382 |
| Total Mortgage Loan Application Amount | $59,250,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $1,225,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $781,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 31 | $ 3,605,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 26 | $ 3,870,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 26 | $ 5,670,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 20 | $ 2,480,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ n/a | 18 | $ 3,650,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 18 | $ 1,680,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 18 | $ 3,080,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 13 | $ 1,855,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 1,275,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 10 | $ 1,430,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 1,630,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 630,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ n/a | 7 | $ 765,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 7 | $ 1,445,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 635,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 1,005,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,100,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 6 | $ 950,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 1,460,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 5 | $ 935,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,205,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 5 | $ 395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 250,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 4 | $ 490,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 530,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 170,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 3 | $ 575,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 3 | $ 415,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 545,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 3 | $ 315,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 265,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 755,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 300,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 190,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 320,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 400,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 210,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 410,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 2 | $ 270,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 360,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 600,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 170,000 |
| The Missouri Bank 104 N HWY 47 WARRENTON, MO 63383 |
* | $ n/a | 1 | $ 305,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 165,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 445,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 225,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 195,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 175,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 325,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 135,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ n/a | 1 | $ 125,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ n/a | 1 | $ 325,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ n/a | 1 | $ 75,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 185,000 |
| First Central State Bank 914 6TH AVE DE WITT, IA 52742 |
* | $ n/a | 1 | $ 245,000 |
| Connections Bank PO BOX 380 PLATTE CITY, MO 64079 |
* | $ n/a | 1 | $ 35,000 |
| Encompass Lending Group, L.P. 23108 SEVEN MEADOWS PKWY SUITE 100 KATY, TX 77494 |
* | $ n/a | 1 | $ 105,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 195,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 1 | $ 135,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 215,000 |
| Access Capital Funding LLC 14366 SOUTH OUTER FORTY CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 185,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 205,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 265,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 225,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 115,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 105,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 205,000 |
| Preferred Bank PO BOX 8 ROTHVILLE, MO 64676 |
* | $ n/a | 1 | $ 155,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 235,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 215,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 5,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 115,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ n/a | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 275,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 155,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 35,000 |
| Royal Banks of Missouri 8021 OLIVE BLVD UNIVERSITY CITY, MO 63132 |
* | $ n/a | 1 | $ 285,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 535,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 125,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2025 mortgage applications in Macon 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 Macon 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 | 197 | $32,795,000 | $166,000 | $1,225,000 | $84,000 | $781,000 |
| Cash-out Refinancing | 77 | $12,395,000 | $160,000 | $575,000 | $80,000 | $367,000 |
| Refinancing | 55 | $9,545,000 | $173,000 | $545,000 | $78,000 | $516,000 |
| Other Purpose | 27 | $2,245,000 | $83,000 | $345,000 | $85,000 | $600,000 |
| Home Improvement | 23 | $1,895,000 | $82,000 | $255,000 | $96,000 | $247,000 |
| Not Applicable | 3 | $375,000 | $125,000 | $285,000 | $41,000 | $41,000 |
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 | 275 | $42,875,000 | $155,000 | $575,000 | $84,000 | $781,000 |
| Not applicable | 53 | $8,355,000 | $157,000 | $1,225,000 | $81,000 | $113,000 |
| Not Provided | 41 | $6,145,000 | $149,000 | $335,000 | $91,000 | $600,000 |
| Black or African American | 6 | $890,000 | $148,000 | $205,000 | $51,000 | $80,000 |
| Hispanic | 4 | $550,000 | $137,000 | $185,000 | $67,000 | $93,000 |
| American Indian or Alaskan Native | 3 | $435,000 | $145,000 | $255,000 | $88,000 | $173,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 201 | $26,675,000 | $132,000 | $1,225,000 | $94,000 | $781,000 |
| FHA-insured (Federal Housing Administration) | 87 | $13,135,000 | $150,000 | $335,000 | $65,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 62 | $14,330,000 | $231,000 | $545,000 | $82,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $5,110,000 | $159,000 | $285,000 | $60,000 | $104,000 |
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 | 185 | $31,215,000 | $168,000 | $1,225,000 | $93,000 | $781,000 |
| Application Denied By Financial Institution | 73 | $9,875,000 | $135,000 | $455,000 | $66,000 | $227,000 |
| Loan Purchased By The Institution | 53 | $8,105,000 | $152,000 | $535,000 | $65,000 | $116,000 |
| Application Withdrawn By Applicant | 36 | $4,720,000 | $131,000 | $445,000 | $81,000 | $600,000 |
| File Closed For Incompleteness | 30 | $4,690,000 | $156,000 | $365,000 | $87,000 | $516,000 |
| Application Approved But Not Accepted | 5 | $645,000 | $129,000 | $185,000 | $82,000 | $150,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 284 | $44,430,000 | $156,000 | $545,000 | $82,000 | $600,000 |
| Debt-To-Income Ratio | 45 | $8,815,000 | $195,000 | $1,225,000 | $116,000 | $781,000 |
| Credit History | 27 | $3,015,000 | $111,000 | $305,000 | $66,000 | $172,000 |
| Collateral | 14 | $1,890,000 | $135,000 | $455,000 | $71,000 | $227,000 |
| Credit Application Incomplete | 7 | $705,000 | $100,000 | $225,000 | $70,000 | $163,000 |
| Other | 2 | $110,000 | $55,000 | $85,000 | $69,000 | $95,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $45,000 | $45,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $44,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $28,000 | $28,000 |
| 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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