Missouri Mortgage Lenders & HMDA Data, 2025

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..

See the top mortgage lenders in Missouri, browse lending by metro area and by county, or see the mortgage lenders headquartered in Missouri and Missouri lenders by city.

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Download the Missouri mortgage lender list: a formatted spreadsheet with aggregated HMDA statistics for all Missouri based lenders.
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

Top 25 Mortgage Lenders in Missouri (2025)

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.

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Mortgage Loan Application Detail Totals for Missouri 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 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
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Mortgage Loan Application Totals in 2025 by Missouri Metropolitan Area

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
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Mortgage Loan Application Totals in 2025 by Missouri County

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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