In 2025, lenders reported 270,924 mortgage applications in Missouri totaling $61.7 billion, up 13% from 2024. The average application was for $227,000, and applicants reported an average income of $121,000. 54% of applications resulted in an originated loan and 13% were denied. The most active lenders were US Bank, N.A. (11,984 applications), PennyMac Loan Services LLC and Flat Branch Mortgage, Inc..
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Missouri's mortgage market trends.
| 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 | 270,924 |
| Total Mortgage Loan Application Amount | $61,729,030,000 |
| Average Mortgage Loan Application Amount | $227,000 |
| Highest Mortgage Loan Application Amount | $71,055,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $9,999,000 |
Ranked by the number of mortgage applications each lender received for properties in Missouri in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Missouri mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Missouri.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | US Bank, N.A. Cincinnati, OH |
11,984 | $2,066,230,000 | $172,415 | $105,711 |
| 2 | PennyMac Loan Services LLC Westlake Village, CA |
11,848 | $3,103,650,000 | $261,955 | $115,616 |
| 3 | Flat Branch Mortgage, Inc. Columbia, MO |
9,346 | $2,265,360,000 | $242,388 | $101,720 |
| 4 | Guild Mortgage Company San Diego, CA |
7,539 | $1,782,655,000 | $236,457 | $106,649 |
| 5 | The Central Trust Bank Jefferson City, MO |
7,026 | $1,491,150,000 | $212,233 | $127,650 |
| 6 | United Wholesale Mortgage Plymouth, MI |
6,728 | $1,797,740,000 | $267,202 | $110,490 |
| 7 | Newrez LLC Fort Washington, PA |
6,605 | $1,662,125,000 | $251,646 | $109,307 |
| 8 | Communityamerica Federal Credit Union Lenexa, KS |
5,843 | $1,087,085,000 | $186,049 | $135,424 |
| 9 | Mortgage Research Center Columbia, MO |
5,743 | $1,511,685,000 | $263,222 | $97,866 |
| 10 | JPMorgan Chase Bank, NA Columbus, OH |
5,647 | $897,405,000 | $158,917 | $137,171 |
| 11 | New American Funding, Llc. Tustin, CA |
5,007 | $1,059,325,000 | $211,568 | $101,224 |
| 12 | Commerce Bank Kansas City, MO |
4,903 | $614,805,000 | $125,393 | $125,617 |
| 13 | Freedom Mortgage Corporation Boca Raton, FL |
4,895 | $1,301,455,000 | $265,874 | $98,479 |
| 14 | First Community Credit Union Chesterfield, MO |
4,343 | $639,105,000 | $147,157 | $152,022 |
| 15 | Das Acquisition Company, LLC Saint Louis, MO |
4,154 | $1,022,230,000 | $246,083 | $104,458 |
| 16 | Bank of America NA Westlake Village, CA |
3,881 | $679,945,000 | $175,198 | $128,708 |
| 17 | Nationstar Mortgage Coppell, TX |
3,582 | $710,840,000 | $198,447 | $104,813 |
| 18 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
3,489 | $890,875,000 | $255,338 | $138,031 |
| 19 | Planet Home Lending, LLC Meriden, CT |
3,257 | $774,525,000 | $237,803 | $98,783 |
| 20 | Arvest Bank Tulsa, OK |
3,208 | $705,490,000 | $219,915 | $130,463 |
| 21 | Fairway Independent Mort Corp Madison, WI |
3,111 | $770,625,000 | $247,709 | $114,295 |
| 22 | First State Community Bank Farmington, MO |
2,851 | $606,205,000 | $212,628 | $116,523 |
| 23 | Amerisave Mortgage Company Sandy Springs, GA |
2,435 | $314,965,000 | $129,349 | $75,291 |
| 24 | Gershman Investment Corp. Chesterfield, MO |
2,317 | $542,265,000 | $234,037 | $104,644 |
| 25 | Regions Bank Birmingham, AL |
2,308 | $324,460,000 | $140,580 | $125,153 |
The tables below break down 2025 mortgage applications in Missouri by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
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 | 138,767 | $36,802,180,000 | $265,000 | $71,055,000 | $120,000 | $9,314,000 |
| Cash-out Refinancing | 43,371 | $8,400,525,000 | $193,000 | $32,435,000 | $104,000 | $8,740,000 |
| Refinancing | 42,963 | $12,345,790,000 | $287,000 | $64,955,000 | $140,000 | $8,312,000 |
| Other Purpose | 23,776 | $2,159,770,000 | $90,000 | $7,505,000 | $122,000 | $9,999,000 |
| Home Improvement | 21,377 | $1,924,765,000 | $90,000 | $25,005,000 | $129,000 | $8,000,000 |
| Not Applicable | 670 | $96,000,000 | $143,000 | $10,005,000 | $208,000 | $9,200,000 |
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 | 170,200 | $36,008,850,000 | $211,000 | $8,405,000 | $122,000 | $9,999,000 |
| Not applicable | 42,703 | $13,598,275,000 | $318,000 | $71,055,000 | $133,000 | $2,400,000 |
| Not Provided | 24,817 | $5,418,495,000 | $218,000 | $9,225,000 | $121,000 | $9,200,000 |
| Black or African American | 15,166 | $2,641,490,000 | $174,000 | $4,005,000 | $92,000 | $7,826,000 |
| Hispanic | 9,956 | $1,934,200,000 | $194,000 | $1,765,000 | $104,000 | $8,000,000 |
| Asian | 5,812 | $1,695,250,000 | $291,000 | $4,975,000 | $167,000 | $7,818,000 |
| American Indian or Alaskan Native | 1,923 | $367,315,000 | $191,000 | $1,685,000 | $110,000 | $5,000,000 |
| Native Hawaiian or Other Pacific Islander | 341 | $63,035,000 | $184,000 | $965,000 | $109,000 | $2,040,000 |
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) | 195,561 | $43,330,325,000 | $221,000 | $71,055,000 | $131,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 44,581 | $9,901,805,000 | $222,000 | $23,615,000 | $81,000 | $3,180,000 |
| VA-guaranteed (Veterans Administration) | 25,616 | $7,623,160,000 | $297,000 | $2,945,000 | $102,000 | $3,567,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5,166 | $873,740,000 | $169,000 | $445,000 | $67,000 | $1,165,000 |
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 | 145,913 | $35,323,355,000 | $242,000 | $71,055,000 | $129,000 | $9,314,000 |
| Loan Purchased By The Institution | 37,558 | $9,278,010,000 | $247,000 | $10,005,000 | $105,000 | $4,541,000 |
| Application Denied By Financial Institution | 34,516 | $5,266,745,000 | $152,000 | $45,005,000 | $96,000 | $9,999,000 |
| Application Withdrawn By Applicant | 33,183 | $7,968,660,000 | $240,000 | $42,505,000 | $120,000 | $8,312,000 |
| File Closed For Incompleteness | 12,085 | $2,278,835,000 | $188,000 | $25,005,000 | $115,000 | $8,740,000 |
| Application Approved But Not Accepted | 6,612 | $1,342,810,000 | $203,000 | $25,005,000 | $111,000 | $2,280,000 |
| Preapproval Approved but not Accepted | 830 | $221,740,000 | $267,000 | $1,505,000 | $109,000 | $924,000 |
| Preapproval Denied by Financial Institution | 227 | $48,875,000 | $215,000 | $755,000 | $83,000 | $328,000 |
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 | 222,180 | $53,081,435,000 | $238,000 | $71,055,000 | $124,000 | $9,314,000 |
| Debt-To-Income Ratio | 24,418 | $4,937,130,000 | $202,000 | $23,075,000 | $109,000 | $9,200,000 |
| Credit History | 9,636 | $1,154,590,000 | $119,000 | $3,005,000 | $102,000 | $9,999,000 |
| Collateral | 5,280 | $784,930,000 | $148,000 | $2,405,000 | $113,000 | $7,826,000 |
| Credit Application Incomplete | 4,294 | $708,460,000 | $164,000 | $2,005,000 | $109,000 | $3,915,000 |
| Other | 2,700 | $609,895,000 | $225,000 | $45,005,000 | $121,000 | $7,758,000 |
| Unverifiable Information | 1,384 | $236,960,000 | $171,000 | $2,165,000 | $98,000 | $1,766,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 656 | $146,730,000 | $223,000 | $3,755,000 | $108,000 | $3,939,000 |
| Employment History | 373 | $67,885,000 | $181,000 | $1,915,000 | $74,000 | $687,000 |
| Mortgage Insurance Denied | 3 | $1,015,000 | $338,000 | $555,000 | $444,000 | $1,131,000 |
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cape Girardeau, MO-IL | 3,522 | $ 694,420,000 | $ 197,000 | $ 110,000 |
| Columbia, MO | 8,201 | $ 2,228,100,000 | $ 271,000 | $ 129,000 |
| Jefferson City, MO | 6,342 | $ 1,289,820,000 | $ 203,000 | $ 103,000 |
| Joplin, MO | 8,176 | $ 1,479,590,000 | $ 180,000 | $ 97,000 |
| Kansas City, MO-KS | 61,510 | $ 15,001,185,000 | $ 243,000 | $ 123,000 |
| Springfield, MO | 23,036 | $ 5,230,710,000 | $ 227,000 | $ 112,000 |
| St. Joseph, MO-KS | 4,459 | $ 763,245,000 | $ 171,000 | $ 94,000 |
| St. Louis, MO-IL | 97,703 | $ 24,084,165,000 | $ 246,000 | $ 136,000 |
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adair | 727 | $ 118,555,000 | $ 163,000 | $ 89,000 |
| Andrew | 679 | $ 141,735,000 | $ 208,000 | $ 113,000 |
| Atchison | 139 | $ 18,385,000 | $ 132,000 | $ 84,000 |
| Audrain | 976 | $ 137,440,000 | $ 140,000 | $ 91,000 |
| Barry | 1,428 | $ 269,710,000 | $ 188,000 | $ 96,000 |
| Barton | 355 | $ 50,105,000 | $ 141,000 | $ 78,000 |
| Bates | 694 | $ 130,880,000 | $ 188,000 | $ 92,000 |
| Benton | 1,056 | $ 173,780,000 | $ 164,000 | $ 95,000 |
| Bollinger | 366 | $ 59,670,000 | $ 163,000 | $ 93,000 |
| Boone | 7,200 | $ 2,030,285,000 | $ 282,000 | $ 133,000 |
| Buchanan | 3,441 | $ 559,685,000 | $ 162,000 | $ 89,000 |
| Butler | 1,477 | $ 245,295,000 | $ 166,000 | $ 105,000 |
| Caldwell | 351 | $ 71,085,000 | $ 202,000 | $ 102,000 |
| Callaway | 1,954 | $ 404,950,000 | $ 207,000 | $ 103,000 |
| Camden | 3,695 | $ 1,095,575,000 | $ 296,000 | $ 183,000 |
| Cape Girardeau | 3,156 | $ 634,750,000 | $ 201,000 | $ 112,000 |
| Carroll | 224 | $ 31,830,000 | $ 142,000 | $ 86,000 |
| Carter | 157 | $ 32,265,000 | $ 205,000 | $ 123,000 |
| Cass | 6,080 | $ 1,711,010,000 | $ 281,000 | $ 133,000 |
| Cedar | 552 | $ 91,470,000 | $ 165,000 | $ 90,000 |
| Chariton | 155 | $ 22,755,000 | $ 146,000 | $ 124,000 |
| Christian | 5,068 | $ 1,298,910,000 | $ 256,000 | $ 130,000 |
| Clark | 70 | $ 11,910,000 | $ 170,000 | $ 86,000 |
| Clay | 13,007 | $ 3,310,105,000 | $ 254,000 | $ 122,000 |
| Clinton | 1,141 | $ 263,665,000 | $ 231,000 | $ 112,000 |
| Cole | 3,304 | $ 672,420,000 | $ 203,000 | $ 106,000 |
| Cooper | 633 | $ 131,245,000 | $ 207,000 | $ 100,000 |
| Crawford | 806 | $ 177,450,000 | $ 220,000 | $ 95,000 |
| Dade | 316 | $ 44,470,000 | $ 140,000 | $ 81,000 |
| Dallas | 792 | $ 142,640,000 | $ 180,000 | $ 78,000 |
| Daviess | 291 | $ 60,695,000 | $ 208,000 | $ 134,000 |
| DeKalb | 339 | $ 61,825,000 | $ 182,000 | $ 100,000 |
| Dent | 419 | $ 70,865,000 | $ 169,000 | $ 83,000 |
| Douglas | 310 | $ 53,390,000 | $ 172,000 | $ 87,000 |
| Dunklin | 556 | $ 80,230,000 | $ 144,000 | $ 72,000 |
| Franklin | 4,427 | $ 965,245,000 | $ 218,000 | $ 108,000 |
| Gasconade | 530 | $ 95,240,000 | $ 179,000 | $ 95,000 |
| Gentry | 215 | $ 29,985,000 | $ 139,000 | $ 116,000 |
| Greene | 13,774 | $ 3,132,030,000 | $ 227,000 | $ 112,000 |
| Grundy | 268 | $ 31,970,000 | $ 119,000 | $ 77,000 |
| Harrison | 197 | $ 26,885,000 | $ 136,000 | $ 94,000 |
| Henry | 1,135 | $ 197,335,000 | $ 173,000 | $ 95,000 |
| Hickory | 482 | $ 72,930,000 | $ 151,000 | $ 89,000 |
| Holt | 110 | $ 17,130,000 | $ 155,000 | $ 109,000 |
| Howard | 368 | $ 66,570,000 | $ 180,000 | $ 106,000 |
| Howell | 1,157 | $ 210,595,000 | $ 182,000 | $ 85,000 |
| Iron | 337 | $ 44,635,000 | $ 132,000 | $ 87,000 |
| Jackson | 32,772 | $ 7,508,085,000 | $ 229,000 | $ 119,000 |
| Jasper | 5,554 | $ 973,430,000 | $ 175,000 | $ 94,000 |
| Jefferson | 12,234 | $ 2,593,960,000 | $ 212,000 | $ 107,000 |
| Johnson | 2,823 | $ 682,985,000 | $ 241,000 | $ 105,000 |
| Knox | 92 | $ 12,150,000 | $ 132,000 | $ 123,000 |
| Laclede | 1,851 | $ 306,985,000 | $ 165,000 | $ 77,000 |
| Lafayette | 1,561 | $ 335,035,000 | $ 214,000 | $ 104,000 |
| Lawrence | 1,859 | $ 325,505,000 | $ 175,000 | $ 82,000 |
| Lewis | 188 | $ 30,910,000 | $ 164,000 | $ 88,000 |
| Lincoln | 3,403 | $ 759,315,000 | $ 223,000 | $ 112,000 |
| Linn | 382 | $ 48,480,000 | $ 126,000 | $ 84,000 |
| Livingston | 433 | $ 65,065,000 | $ 150,000 | $ 93,000 |
| Macon | 382 | $ 59,250,000 | $ 155,000 | $ 84,000 |
| Madison | 401 | $ 62,055,000 | $ 154,000 | $ 87,000 |
| Maries | 345 | $ 66,435,000 | $ 192,000 | $ 92,000 |
| Marion | 858 | $ 153,910,000 | $ 179,000 | $ 100,000 |
| McDonald | 899 | $ 160,985,000 | $ 179,000 | $ 94,000 |
| Mercer | 87 | $ 10,725,000 | $ 123,000 | $ 90,000 |
| Miller | 1,143 | $ 238,055,000 | $ 208,000 | $ 103,000 |
| Mississippi | 290 | $ 33,230,000 | $ 114,000 | $ 80,000 |
| Moniteau | 564 | $ 105,760,000 | $ 187,000 | $ 98,000 |
| Monroe | 248 | $ 39,420,000 | $ 158,000 | $ 94,000 |
| Montgomery | 390 | $ 75,410,000 | $ 193,000 | $ 90,000 |
| Morgan | 1,072 | $ 235,560,000 | $ 219,000 | $ 134,000 |
| New Madrid | 460 | $ 61,750,000 | $ 134,000 | $ 84,000 |
| Newton | 2,622 | $ 506,160,000 | $ 193,000 | $ 103,000 |
| Nodaway | 534 | $ 97,080,000 | $ 181,000 | $ 107,000 |
| Oregon | 236 | $ 35,960,000 | $ 152,000 | $ 73,000 |
| Osage | 520 | $ 106,690,000 | $ 205,000 | $ 93,000 |
| Ozark | 236 | $ 42,920,000 | $ 181,000 | $ 92,000 |
| Pemiscot | 319 | $ 37,475,000 | $ 117,000 | $ 82,000 |
| Perry | 739 | $ 120,925,000 | $ 163,000 | $ 98,000 |
| Pettis | 1,864 | $ 352,280,000 | $ 188,000 | $ 98,000 |
| Phelps | 1,541 | $ 304,535,000 | $ 197,000 | $ 102,000 |
| Pike | 550 | $ 89,720,000 | $ 163,000 | $ 88,000 |
| Platte | 4,803 | $ 1,444,975,000 | $ 300,000 | $ 154,000 |
| Polk | 1,504 | $ 285,190,000 | $ 189,000 | $ 96,000 |
| Pulaski | 2,623 | $ 567,735,000 | $ 216,000 | $ 92,000 |
| Putnam | 86 | $ 15,630,000 | $ 181,000 | $ 120,000 |
| Ralls | 326 | $ 64,340,000 | $ 197,000 | $ 110,000 |
| Randolph | 1,040 | $ 176,880,000 | $ 170,000 | $ 92,000 |
| Ray | 1,101 | $ 226,345,000 | $ 205,000 | $ 105,000 |
| Reynolds | 186 | $ 25,790,000 | $ 138,000 | $ 96,000 |
| Ripley | 420 | $ 62,190,000 | $ 148,000 | $ 93,000 |
| Saline | 744 | $ 111,490,000 | $ 149,000 | $ 85,000 |
| Schuyler | 70 | $ 9,290,000 | $ 132,000 | $ 74,000 |
| Scotland | 38 | $ 6,120,000 | $ 161,000 | $ 131,000 |
| Scott | 1,352 | $ 194,970,000 | $ 144,000 | $ 94,000 |
| Shannon | 199 | $ 37,775,000 | $ 189,000 | $ 88,000 |
| Shelby | 100 | $ 12,990,000 | $ 129,000 | $ 78,000 |
| St. Charles | 21,359 | $ 5,814,735,000 | $ 272,000 | $ 142,000 |
| St. Clair | 259 | $ 38,555,000 | $ 148,000 | $ 85,000 |
| St. Francois | 2,528 | $ 465,140,000 | $ 183,000 | $ 94,000 |
| St. Louis | 43,356 | $ 10,957,830,000 | $ 252,000 | $ 150,000 |
| St. Louis City | 10,588 | $ 2,400,560,000 | $ 226,000 | $ 124,000 |
| Ste. Genevieve | 722 | $ 137,120,000 | $ 189,000 | $ 105,000 |
| Stoddard | 860 | $ 124,050,000 | $ 144,000 | $ 84,000 |
| Stone | 2,123 | $ 528,625,000 | $ 248,000 | $ 149,000 |
| Sullivan | 102 | $ 17,230,000 | $ 168,000 | $ 97,000 |
| Taney | 2,570 | $ 546,330,000 | $ 212,000 | $ 119,000 |
| Texas | 821 | $ 139,795,000 | $ 170,000 | $ 85,000 |
| Vernon | 684 | $ 107,290,000 | $ 156,000 | $ 81,000 |
| Warren | 2,336 | $ 592,520,000 | $ 253,000 | $ 128,000 |
| Washington | 759 | $ 139,415,000 | $ 183,000 | $ 94,000 |
| Wayne | 330 | $ 49,750,000 | $ 150,000 | $ 90,000 |
| Webster | 1,898 | $ 371,940,000 | $ 195,000 | $ 97,000 |
| Worth | 35 | $ 5,455,000 | $ 155,000 | $ 80,000 |
| Wright | 636 | $ 111,200,000 | $ 174,000 | $ 79,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Missouri's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Missouri's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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