Springfield Mortgage Lending in 2025

Explore mortgage lending activity in Springfield (MSA/MD Code 44180) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 44180
7,471 Loans Originated
• Primary State: Missouri (MO)
• $1.98 Billion Originated Volume
• $235,000 Median Loan
Actionable Applications 9,103 +11.24% vs 2024
Approval Rate 85.42% -0.70 pp vs 2024
Denial Rate 14.58% +0.70 pp vs 2024
Loan Originations 7,471 +10.00% vs 2024
Originated Volume $1.98 Billion +15.80% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 9,103 actionable applications (Actions 1, 2, and 3).

85.42%
14.58%
7,776 approved 1,327 denied
Action 1: Originated
7,471 (82.07%)
Action 2: Approved not accepted
305 (3.35%)
Action 3: Denied
1,327 (14.58%)
Action 4: Withdrawn (not in denominator)
1,786 —
Action 5: Incomplete (not in denominator)
613 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Springfield Compares

Metro vs. State Baseline (2025)

Metric Springfield Missouri
Actionable Apps 9,103 107,288
Approval Rate 85.42% 85.08%
Denial Rate 14.58% 14.92%
Originations 7,471 87,407
Originated Volume $1.98 Billion $24.28 Billion
Median Loan $235,000 $245,000
Compared against Missouri statewide baseline in 2025.

Lending Trends in Springfield

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 10,322 11,502 +11.43%
Actionable Apps 8,183 9,103 +11.24%
Originations 6,792 7,471 +10.00%
Approval Rate 86.12% 85.42% -0.70 pp
Denial Rate 13.88% 14.58% +0.70 pp
Median Loan $225,000 $235,000 +4.44%
Dollar Volume $1.71 Billion $1.98 Billion +15.80%

Applications by Borrower Income (Springfield)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 1,746 91.01% 8.99%
$150k+ 1,305 92.03% 7.97%
$50k–$99,999 3,821 86.29% 13.71%
<$50k 1,453 70.41% 29.59%
Income unavailable/entity 778 85.60% 14.40%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Missouri (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 44180, anchored in Missouri (MO).
Metro Share of State Apps 8.48%
Metro Share of State Volume 8.15%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Missouri statewide mortgage activity

Springfield is part of OpenFileData’s statewide coverage of Missouri. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Missouri Statewide Overview Active Profile
Statewide Actionable Applications: 107,288
Explore Missouri State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Missouri Profile

Compare all metropolitan areas located in Missouri.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.