Ozark County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 236 mortgage applications in Ozark County, MO totaling $42.9 million, up 8% from 2024. The average application was for $181,000, and applicants reported an average income of $92,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was Mortgage Research Center, with 16 applications, followed by PennyMac Loan Services LLC and Stockmens 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 | 236 |
| Total Mortgage Loan Application Amount | $42,920,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $1,022,000 |
* 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 |
|---|---|---|---|---|
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 3,620,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 4,490,000 |
| Stockmens Bank SPRINGFIELD, MO 65804 |
* | $ n/a | 11 | $ 875,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 9 | $ 2,165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 725,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 7 | $ 1,245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 825,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 580,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 1,145,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 5 | $ 915,000 |
| Blucurrent Credit Union 1770 W SUNSET SPRINGFIELD, MO 65810 |
* | $ n/a | 5 | $ 665,000 |
| Infuze Credit Union 1300 U.S. RT. 66 WAYNESVILLE, MO 65583 |
* | $ n/a | 4 | $ 770,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 4 | $ 340,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 4 | $ 580,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 850,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 1,280,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 440,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 4 | $ 430,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 720,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 280,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 375,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 145,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 425,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 3 | $ 375,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 515,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 2 | $ 160,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 560,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ n/a | 2 | $ 770,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 300,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 360,000 |
| Homepride Bank P.O. BOX 138 MANSFIELD, MO 65704 |
* | $ n/a | 2 | $ 320,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 190,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 160,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 400,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 390,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 400,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 210,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 130,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 510,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 390,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 640,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 210,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 335,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 195,000 |
| Regent Bank 105 N MAPLE TULSA, OK 74136 |
* | $ n/a | 1 | $ 325,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ n/a | 1 | $ 255,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 335,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ n/a | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 105,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 175,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 1 | $ 305,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 25,000 |
| Golden Empire Mortgage, Inc. 1200 DISCOVERY DRIVE, SUITE 300 BAKERSFIELD, CA 93309 |
* | $ n/a | 1 | $ 545,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 175,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 225,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 1 | $ 105,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 1 | $ 145,000 |
| The Seymour Bank 119 N MAIN SEYMOUR, MO 65746 |
* | $ n/a | 1 | $ 145,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 105,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ n/a | 1 | $ 85,000 |
| Bison State Bank 223 MAIN ST BISON, KS 67520 |
* | $ n/a | 1 | $ 365,000 |
| Ozark Bank PO BOX 220 OZARK, MO 65721 |
* | $ n/a | 1 | $ 705,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 85,000 |
| Anstaff Bank PO BOX 1900 GREEN FOREST, AR 72638 |
* | $ n/a | 1 | $ 185,000 |
| State Bank of Southwest Missouri P O BOX 10828 SPRINGFIELD, MO 65808 |
* | $ n/a | 1 | $ 165,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 225,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 185,000 |
| Efcu Financial Federal Credit Union 3861 SCENIC HWY BATON ROUGE, LA 70816 |
* | $ n/a | 1 | $ 145,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 1 | $ 225,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 1 | $ 155,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 185,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ n/a | 1 | $ 55,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 105,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 215,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ n/a | 1 | $ 145,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 85,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 315,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 185,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2025 mortgage applications in Ozark 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 Ozark 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 | 95 | $21,115,000 | $222,000 | $755,000 | $106,000 | $1,022,000 |
| Refinancing | 52 | $10,700,000 | $205,000 | $495,000 | $84,000 | $215,000 |
| Cash-out Refinancing | 48 | $7,980,000 | $166,000 | $505,000 | $85,000 | $261,000 |
| Other Purpose | 25 | $2,225,000 | $89,000 | $205,000 | $76,000 | $137,000 |
| Home Improvement | 16 | $900,000 | $56,000 | $105,000 | $70,000 | $127,000 |
| 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 | 176 | $30,620,000 | $173,000 | $755,000 | $94,000 | $1,022,000 |
| Not Provided | 25 | $3,805,000 | $152,000 | $505,000 | $75,000 | $211,000 |
| Not applicable | 24 | $5,550,000 | $231,000 | $545,000 | $0 | $0 |
| Hispanic | 6 | $1,840,000 | $306,000 | $495,000 | $82,000 | $122,000 |
| American Indian or Alaskan Native | 4 | $910,000 | $227,000 | $335,000 | $154,000 | $154,000 |
| Black or African American | 1 | $195,000 | $195,000 | $195,000 | $56,000 | $56,000 |
| 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) | 154 | $25,350,000 | $164,000 | $755,000 | $99,000 | $1,022,000 |
| VA-guaranteed (Veterans Administration) | 45 | $12,205,000 | $271,000 | $495,000 | $87,000 | $138,000 |
| FHA-insured (Federal Housing Administration) | 35 | $5,205,000 | $148,000 | $335,000 | $62,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $160,000 | $80,000 | $95,000 | $40,000 | $50,000 |
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 | 96 | $18,840,000 | $196,000 | $755,000 | $115,000 | $1,022,000 |
| Application Denied By Financial Institution | 56 | $7,140,000 | $127,000 | $505,000 | $67,000 | $137,000 |
| Application Withdrawn By Applicant | 36 | $7,170,000 | $199,000 | $705,000 | $82,000 | $261,000 |
| Loan Purchased By The Institution | 21 | $5,255,000 | $250,000 | $545,000 | $137,000 | $137,000 |
| File Closed For Incompleteness | 15 | $2,735,000 | $182,000 | $435,000 | $67,000 | $126,000 |
| Application Approved But Not Accepted | 10 | $1,510,000 | $151,000 | $335,000 | $101,000 | $154,000 |
| Preapproval Approved but not Accepted | 1 | $95,000 | $95,000 | $95,000 | $50,000 | $50,000 |
| Preapproval Denied by Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $45,000 | $45,000 |
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 | 159 | $32,485,000 | $204,000 | $755,000 | $102,000 | $1,022,000 |
| Debt-To-Income Ratio | 36 | $5,120,000 | $142,000 | $705,000 | $74,000 | $344,000 |
| Collateral | 19 | $2,465,000 | $129,000 | $505,000 | $76,000 | $137,000 |
| Credit History | 10 | $850,000 | $85,000 | $195,000 | $82,000 | $120,000 |
| Credit Application Incomplete | 6 | $1,020,000 | $170,000 | $315,000 | $63,000 | $104,000 |
| Unverifiable Information | 4 | $750,000 | $187,000 | $415,000 | $73,000 | $121,000 |
| Other | 2 | $230,000 | $115,000 | $125,000 | $83,000 | $132,000 |
| 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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