Missouri Mortgage Lending in 2025
Explore residential mortgage lending activity in Missouri using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 107,288 actionable applications (Actions 1, 2, and 3).
How Missouri Compares
Key metrics: Missouri vs. U.S. (2025)
| Metric | Missouri | U.S. |
|---|---|---|
| Actionable Apps | 107,288 | 5,197,320 |
| Approval Rate | 85.08% | 82.12% |
| Denial Rate | 14.92% | 17.88% |
| Originations | 87,407 | 4,052,301 |
| Originated Volume | $24.28 Billion | $1.58 Trillion |
| Median Loan | $245,000 | $325,000 |
Lending Trends in Missouri
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 122,773 | 137,652 | +12.12% |
| Actionable Apps | 96,665 | 107,288 | +10.99% |
| Originations | 79,149 | 87,407 | +10.43% |
| Approval Rate | 85.13% | 85.08% | -0.05 pp |
| Denial Rate | 14.87% | 14.92% | +0.05 pp |
| Median Loan | $235,000 | $245,000 | +4.26% |
| Dollar Volume | $20.89 Billion | $24.28 Billion | +16.20% |
Applications by Borrower Income (Missouri)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 21,905 | 89.88% | 10.12% |
| $150k+ | 19,368 | 93.01% | 6.99% |
| $50k–$99,999 | 43,128 | 85.28% | 14.72% |
| <$50k | 15,551 | 67.22% | 32.78% |
| Income unavailable/entity | 7,336 | 86.49% | 13.51% |
Metropolitan Areas in Missouri
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| St. Louis | 49,448 | 41,143 | 86.66% |
| Kansas City | 40,037 | 34,395 | 88.44% |
| Springfield | 9,103 | 7,471 | 85.42% |
| Joplin | 3,576 | 2,888 | 84.23% |
| Columbia | 2,955 | 2,453 | 86.43% |
| Jefferson City | 2,346 | 1,907 | 84.74% |
| St. Joseph | 1,888 | 1,538 | 84.90% |
| Cape Girardeau | 1,382 | 1,064 | 81.77% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Missouri (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | FLAT BRANCH MORTGAGE, INC. | 6,873 | 98.90% |
| 2 | ROCKET MORTGAGE | 5,294 | 79.85% |
| 3 | GUILD MORTGAGE COMPANY | 4,716 | 97.20% |
| 4 | United Wholesale Mortgage | 4,437 | 91.96% |
| 5 | DAS ACQUISITION COMPANY, LLC | 3,083 | 97.29% |
| 6 | Mortgage Research Center | 2,836 | 76.80% |
| 7 | THE CENTRAL TRUST BANK | 2,424 | 95.55% |
| 8 | NEW AMERICAN FUNDING, LLC. | 2,055 | 91.35% |
| 9 | FAIRWAY INDEPENDENT MORT CORP | 1,979 | 95.72% |
| 10 | PENNYMAC LOAN SERVICES LLC | 1,941 | 83.66% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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