Lender in Missouri · HMDA 2025
Rate mortgages in Missouri
Rate's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
Rate originated 290 owner-occupied single-family loans in Missouri from 333 completed applications.
Its median conventional purchase loan costs were $4,080 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.625% (Missouri: 6.625%).
Loans in MO
290
of 333 applications
Denial rate
5.1%
Purchase · MO 6.5%
Rate spread
+0.30 pts
Conv. · MO +0.24 pts
Loan amount
$285,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 234 | 221 | 5.1% | 6.625% | +0.30 pts | $4,080 | $285,000 |
| Refinance | 38 | 32 | 15.8% | — | −0.02 pts | $3,410 | $325,000 |
| Cash-out refinance | 61 | 37 | 39.3% | — | — | — | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Miller County | 9 | 8 | 2.4% |
| Pulaski County | 16 | 16 | 1.7% |
| Morgan County | 16 | 4 | 1.8% |
| Laclede County | 17 | 6 | 1.3% |
| Ray County | 19 | 6 | 1.5% |
| Dent County | 19 | 2 | 1.6% |
| Clinton County | 22 | 5 | 1.2% |
| Camden County | 23 | 6 | 0.7% |
| Perry County | 23 | 2 | 0.9% |
| Pettis County | 24 | 5 | 0.8% |
| Wright County | 25 | 3 | 1.4% |
| Dallas County | 25 | 2 | 0.9% |
| Monroe County | 25 | 1 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology