Osage County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 520 mortgage applications in Osage County, MO totaling $106.7 million, up 36% from 2024. The average application was for $205,000, and applicants reported an average income of $93,000. 61% of applications resulted in an originated loan and 8% were denied. The most active lender was Mid America Bank, with 61 applications, followed by Legends Bank and PennyMac Loan Services LLC.
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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 | 520 |
| Total Mortgage Loan Application Amount | $106,690,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $6,425,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $409,000 |
* 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 |
|---|---|---|---|---|
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ n/a | 61 | $ 13,865,000 |
| Legends Bank PO BOX 888 LINN, MO 65051 |
* | $ n/a | 58 | $ 17,060,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 57 | $ 12,735,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 39 | $ 6,635,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 36 | $ 8,640,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 29 | $ 5,315,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 23 | $ 4,775,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 18 | $ 4,180,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ n/a | 16 | $ 1,770,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 14 | $ 2,310,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ n/a | 9 | $ 2,095,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 855,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,915,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 7 | $ 1,645,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 450,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 2,090,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 1,010,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 495,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 955,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 5 | $ 555,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 5 | $ 565,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 530,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 430,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 4 | $ 850,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 4 | $ 1,080,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ n/a | 3 | $ 135,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 285,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 3 | $ 385,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 3 | $ 415,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 320,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 2 | $ 180,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 530,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 2 | $ 90,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 340,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 300,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 130,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 580,000 |
| Infuze Credit Union 1300 U.S. RT. 66 WAYNESVILLE, MO 65583 |
* | $ n/a | 2 | $ 190,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 390,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 260,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 100,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 270,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 380,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 250,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 105,000 |
| Phelps County Bank 718 N PINE ST ROLLA, MO 65401 |
* | $ n/a | 1 | $ 295,000 |
| United Security Bank 101 E. WALNUT ST. AUXVASSE, MO 65231 |
* | $ n/a | 1 | $ 205,000 |
| Peoples Savings Bank 101 BLUFF STREET RHINELAND, MO 65069 |
* | $ n/a | 1 | $ 145,000 |
| Bank of Franklin County 900 EAST EIGHTH STREET WASHINGTON, MO 63090 |
* | $ n/a | 1 | $ 255,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 155,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 195,000 |
| Farmers and Merchants Bank of St. Clair 530 S. MAIN SAINT CLAIR, MO 63077 |
* | $ n/a | 1 | $ 255,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ n/a | 1 | $ 375,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ n/a | 1 | $ 85,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 475,000 |
| Conservation Emp Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65109 |
* | $ n/a | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 215,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 145,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 1 | $ 85,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 85,000 |
| United Bank of Union PO BOX 500 UNION, MO 63084 |
* | $ n/a | 1 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 85,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 85,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 265,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 245,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 205,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| Citizens Bank P.O. BOX 197 NEW HAVEN, MO 63068 |
* | $ n/a | 1 | $ 445,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 105,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 265,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Osage 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 Osage 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 | 277 | $65,145,000 | $235,000 | $6,425,000 | $89,000 | $310,000 |
| Refinancing | 120 | $27,360,000 | $228,000 | $655,000 | $106,000 | $296,000 |
| Cash-out Refinancing | 70 | $10,450,000 | $149,000 | $475,000 | $78,000 | $155,000 |
| Other Purpose | 30 | $2,440,000 | $81,000 | $205,000 | $112,000 | $409,000 |
| Home Improvement | 21 | $1,035,000 | $49,000 | $125,000 | $89,000 | $170,000 |
| Not Applicable | 2 | $260,000 | $130,000 | $175,000 | $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 | 400 | $76,160,000 | $190,000 | $815,000 | $93,000 | $409,000 |
| Not applicable | 78 | $23,330,000 | $299,000 | $6,425,000 | $100,000 | $170,000 |
| Not Provided | 33 | $5,925,000 | $179,000 | $485,000 | $84,000 | $182,000 |
| Hispanic | 6 | $780,000 | $130,000 | $305,000 | $72,000 | $84,000 |
| Black or African American | 2 | $280,000 | $140,000 | $185,000 | $51,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $118,000 | $118,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 394 | $81,060,000 | $205,000 | $6,425,000 | $98,000 | $409,000 |
| FHA-insured (Federal Housing Administration) | 63 | $10,115,000 | $160,000 | $335,000 | $66,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 43 | $11,595,000 | $269,000 | $655,000 | $86,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,920,000 | $196,000 | $255,000 | $72,000 | $112,000 |
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 | 317 | $69,465,000 | $219,000 | $6,425,000 | $95,000 | $387,000 |
| Loan Purchased By The Institution | 72 | $15,230,000 | $211,000 | $485,000 | $85,000 | $170,000 |
| Application Withdrawn By Applicant | 46 | $10,010,000 | $217,000 | $815,000 | $104,000 | $300,000 |
| Application Denied By Financial Institution | 43 | $5,465,000 | $127,000 | $445,000 | $67,000 | $160,000 |
| File Closed For Incompleteness | 27 | $4,255,000 | $157,000 | $505,000 | $91,000 | $409,000 |
| Application Approved But Not Accepted | 14 | $2,160,000 | $154,000 | $395,000 | $84,000 | $214,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $139,000 | $139,000 |
| 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 | 307 | $60,815,000 | $198,000 | $815,000 | $89,000 | $409,000 |
| Debt-To-Income Ratio | 190 | $43,100,000 | $226,000 | $6,425,000 | $99,000 | $310,000 |
| Credit History | 9 | $815,000 | $90,000 | $295,000 | $84,000 | $119,000 |
| Other | 4 | $420,000 | $105,000 | $145,000 | $77,000 | $126,000 |
| Collateral | 4 | $930,000 | $232,000 | $335,000 | $119,000 | $129,000 |
| Credit Application Incomplete | 4 | $280,000 | $70,000 | $145,000 | $49,000 | $78,000 |
| Unverifiable Information | 2 | $330,000 | $165,000 | $165,000 | $68,000 | $80,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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