State report · HMDA 2025
Missouri mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across Missouri's 115 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 62,270 home-purchase mortgages for owner-occupied, single-family homes in Missouri. The median buyer borrowed $245,000 on a home valued at $285,000 and reported a household income of $93,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $3,710.
Lenders denied 6.5% of completed home-purchase applications.
Purchase loans
62,270
679 lenders active
Buyer income
$93,000
U.S. $116,000
Down payment
5%
U.S. 10%
30-yr fixed rate
6.625%
U.S. 6.625%
Loan costs
$3,710
Conventional · U.S. $5,570
FHA limit 2026
$541,287
1-unit home, all counties
Key facts
- Home buyers' median income ($93,000) is 20% lower than the U.S. median ($116,000).
- Median conventional loan costs ($3,710) were 33% lower than the U.S. median ($5,570).
- The most common age bracket among borrowers was 25–34 (34.1% of purchase loans).
- 53.8% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (29.8% of denials with a stated reason).
The 2026 conforming limit is $832,750 for a one-unit home in every Missouri county. See every Missouri county's 2026 FHA and conforming loan limits.
Missouri counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Adair County | 193 | $165,000 | $72,000 | 5.0% | 6.625% | $2,980 | 8.0% | $541,287 |
| Andrew County | 157 | $225,000 | $86,000 | 10.0% | 6.625% | $3,230 | 8.0% | $541,287 |
| Atchison County | 38 | $125,000 | $79,000 | 5.0% | — | — | 7.3% | $541,287 |
| Audrain County | 226 | $165,000 | $66,000 | 3.5% | 6.625% | $2,880 | 7.3% | $541,287 |
| Barry County | 254 | $205,000 | $79,000 | 5.0% | 6.625% | $3,690 | 6.8% | $541,287 |
| Barton County | 69 | $155,000 | $65,000 | 3.5% | — | — | 8.8% | $541,287 |
| Bates County | 149 | $195,000 | $81,000 | 3.5% | 6.625% | $3,400 | 8.3% | $541,287 |
| Benton County | 174 | $195,000 | $84,000 | 10.0% | 6.625% | $2,790 | 6.3% | $541,287 |
| Bollinger County | 75 | $185,000 | $79,000 | 3.8% | — | $3,210 | 14.4% | $541,287 |
| Boone County | 1,834 | $275,000 | $103,000 | 10.1% | 6.625% | $3,050 | 4.8% | $541,287 |
| Buchanan County | 874 | $185,000 | $73,000 | 3.5% | 6.625% | $3,280 | 7.5% | $541,287 |
| Butler County | 372 | $165,000 | $69,000 | 3.5% | 6.750% | $2,800 | 8.1% | $541,287 |
| Caldwell County | 93 | $195,000 | $87,000 | 3.5% | — | $3,170 | 12.0% | $541,287 |
| Callaway County | 417 | $245,000 | $90,000 | 5.0% | 6.625% | $3,530 | 4.8% | $541,287 |
| Camden County | 515 | $275,000 | $105,000 | 18.4% | 6.750% | $3,720 | 6.9% | $541,287 |
| Cape Girardeau County | 788 | $225,000 | $88,000 | 5.0% | 6.625% | $3,210 | 6.6% | $541,287 |
| Carroll County | 63 | $135,000 | $62,000 | 3.5% | — | — | 18.2% | $541,287 |
| Carter County | 37 | $205,000 | $85,000 | — | — | — | 7.5% | $541,287 |
| Cass County | 1,487 | $305,000 | $103,000 | 6.7% | 6.625% | $3,350 | 6.0% | $541,287 |
| Cedar County | 104 | $175,000 | $73,000 | 5.0% | 6.750% | $3,740 | 9.4% | $541,287 |
| Chariton County | 39 | $155,000 | $70,000 | — | — | — | 11.1% | $541,287 |
| Christian County | 1,287 | $275,000 | $100,000 | 10.0% | 6.625% | $3,650 | 5.0% | $541,287 |
| Clark County | 17 | — | — | — | — | — | — | $541,287 |
| Clay County | 3,316 | $285,000 | $106,000 | 8.8% | 6.625% | $3,480 | 3.3% | $541,287 |
| Clinton County | 303 | $265,000 | $98,000 | 5.0% | 6.625% | $3,370 | 9.1% | $541,287 |
| Cole County | 800 | $235,000 | $84,000 | 6.8% | 6.500% | $3,450 | 3.6% | $541,287 |
| Cooper County | 154 | $225,000 | $86,000 | 5.0% | 6.625% | $3,160 | 8.0% | $541,287 |
| Crawford County | 154 | $195,000 | $84,000 | 3.5% | 6.625% | $3,460 | 10.7% | $541,287 |
| Dade County | 52 | $165,000 | $71,000 | 5.6% | — | — | 12.7% | $541,287 |
| Dallas County | 130 | $225,000 | $77,000 | 5.0% | 6.625% | $3,190 | 11.3% | $541,287 |
| Daviess County | 70 | $225,000 | $86,000 | 5.0% | — | — | 6.4% | $541,287 |
| DeKalb County | 67 | $215,000 | $79,000 | 5.0% | 6.875% | $3,400 | 12.8% | $541,287 |
| Dent County | 89 | $165,000 | $70,000 | 3.5% | — | $3,390 | 8.6% | $541,287 |
| Douglas County | 67 | $195,000 | $76,000 | 3.5% | — | — | 8.1% | $541,287 |
| Dunklin County | 134 | $125,000 | $58,000 | 3.5% | — | — | 11.7% | $541,287 |
| Franklin County | 1,147 | $235,000 | $90,000 | 10.0% | 6.625% | $3,830 | 8.3% | $541,287 |
| Gasconade County | 106 | $195,000 | $80,000 | 5.0% | 6.500% | $3,330 | 10.7% | $541,287 |
| Gentry County | 63 | $135,000 | $78,000 | 5.0% | — | — | 7.1% | $541,287 |
| Greene County | 3,521 | $235,000 | $85,000 | 5.0% | 6.625% | $3,520 | 4.8% | $541,287 |
| Grundy County | 76 | $135,000 | $66,000 | 3.5% | — | — | 12.2% | $541,287 |
| Harrison County | 47 | $125,000 | $75,000 | — | — | — | 11.3% | $541,287 |
| Henry County | 223 | $195,000 | $77,000 | 5.0% | 6.625% | $2,860 | 7.8% | $541,287 |
| Hickory County | 77 | $175,000 | $72,000 | 14.4% | — | $2,600 | 12.9% | $541,287 |
| Holt County | 25 | — | — | — | — | — | — | $541,287 |
| Howard County | 70 | $205,000 | $85,000 | 3.5% | — | — | 16.3% | $541,287 |
| Howell County | 234 | $195,000 | $73,000 | 3.5% | 6.750% | $3,490 | 8.3% | $541,287 |
| Iron County | 76 | $145,000 | $64,000 | 3.5% | — | $2,610 | 15.8% | $541,287 |
| Jackson County | 7,789 | $255,000 | $92,000 | 5.0% | 6.625% | $3,380 | 5.6% | $541,287 |
| Jasper County | 1,364 | $185,000 | $73,000 | 4.5% | 6.625% | $3,420 | 6.4% | $541,287 |
| Jefferson County | 2,765 | $265,000 | $94,000 | 5.0% | 6.625% | $4,070 | 5.8% | $541,287 |
| Johnson County | 698 | $255,000 | $89,000 | 3.5% | 6.625% | $3,260 | 5.2% | $541,287 |
| Knox County | 22 | — | — | — | — | — | 19.4% | $541,287 |
| Laclede County | 294 | $205,000 | $74,000 | 4.2% | 6.625% | $3,020 | 4.5% | $541,287 |
| Lafayette County | 364 | $215,000 | $84,000 | 3.5% | 6.625% | $3,150 | 6.1% | $541,287 |
| Lawrence County | 378 | $195,000 | $67,000 | 3.5% | 6.625% | $3,530 | 7.0% | $541,287 |
| Lewis County | 56 | $155,000 | $70,000 | 3.5% | — | — | 6.7% | $541,287 |
| Lincoln County | 759 | $285,000 | $98,000 | 5.0% | 6.750% | $3,990 | 5.3% | $541,287 |
| Linn County | 92 | $135,000 | $74,000 | 5.0% | — | — | 10.4% | $541,287 |
| Livingston County | 109 | $155,000 | $66,000 | 3.5% | — | $3,120 | 10.5% | $541,287 |
| McDonald County | 125 | $215,000 | $80,000 | 5.0% | 6.875% | $4,010 | 12.0% | $541,287 |
| Macon County | 83 | $155,000 | $69,000 | 3.5% | — | $2,680 | 15.0% | $541,287 |
| Madison County | 92 | $145,000 | $65,000 | 3.5% | — | $2,750 | 8.6% | $541,287 |
| Maries County | 64 | $225,000 | $86,000 | 3.5% | — | — | 11.7% | $541,287 |
| Marion County | 259 | $175,000 | $75,000 | 5.0% | 6.625% | $2,420 | 5.3% | $541,287 |
| Mercer County | 18 | — | — | — | — | — | — | $541,287 |
| Miller County | 200 | $225,000 | $78,000 | 5.0% | 6.500% | $3,610 | 5.1% | $541,287 |
| Mississippi County | 65 | $135,000 | $60,000 | 3.5% | — | — | 11.7% | $541,287 |
| Moniteau County | 127 | $225,000 | $89,000 | 5.0% | 6.625% | $3,070 | 6.3% | $541,287 |
| Monroe County | 55 | $165,000 | $62,000 | 3.5% | — | — | 8.2% | $541,287 |
| Montgomery County | 90 | $195,000 | $69,000 | 5.0% | 6.500% | $3,590 | 9.8% | $541,287 |
| Morgan County | 135 | $215,000 | $79,000 | 5.0% | 6.750% | $3,650 | 10.8% | $541,287 |
| New Madrid County | 103 | $155,000 | $78,000 | 3.5% | — | $2,730 | 12.9% | $541,287 |
| Newton County | 576 | $205,000 | $80,000 | 5.0% | 6.625% | $3,500 | 6.6% | $541,287 |
| Nodaway County | 148 | $175,000 | $76,000 | 6.1% | 6.625% | $2,710 | 6.2% | $541,287 |
| Oregon County | 46 | $175,000 | $69,000 | 3.9% | — | — | 7.7% | $541,287 |
| Osage County | 135 | $215,000 | $83,000 | 8.8% | 6.500% | $3,370 | 6.7% | $541,287 |
| Ozark County | 29 | — | — | — | — | — | 17.1% | $541,287 |
| Pemiscot County | 50 | $125,000 | $70,000 | 3.5% | — | — | 15.3% | $541,287 |
| Perry County | 169 | $205,000 | $84,000 | 5.0% | 6.625% | $3,060 | 7.3% | $541,287 |
| Pettis County | 417 | $195,000 | $72,000 | 3.5% | 6.625% | $2,800 | 7.7% | $541,287 |
| Phelps County | 356 | $225,000 | $85,000 | 5.0% | 6.625% | $3,420 | 8.0% | $541,287 |
| Pike County | 137 | $185,000 | $83,000 | 3.5% | 6.625% | $2,870 | 11.3% | $541,287 |
| Platte County | 1,348 | $325,000 | $125,000 | 10.0% | 6.625% | $3,480 | 4.0% | $541,287 |
| Polk County | 352 | $215,000 | $82,000 | 5.0% | 6.625% | $3,140 | 3.5% | $541,287 |
| Pulaski County | 609 | $245,000 | $86,000 | 0.0% | 6.625% | $3,190 | 5.3% | $541,287 |
| Putnam County | 15 | — | — | — | — | — | — | $541,287 |
| Ralls County | 66 | $195,000 | $83,000 | 6.5% | 6.625% | $2,580 | 9.2% | $541,287 |
| Randolph County | 243 | $185,000 | $76,000 | 3.5% | 6.625% | $2,980 | 8.5% | $541,287 |
| Ray County | 267 | $215,000 | $88,000 | 5.0% | 6.625% | $3,480 | 9.0% | $541,287 |
| Reynolds County | 33 | $155,000 | $76,000 | — | — | — | 5.7% | $541,287 |
| Ripley County | 92 | $145,000 | $71,000 | 8.0% | — | $2,750 | 9.2% | $541,287 |
| St. Charles County | 5,152 | $325,000 | $119,000 | 10.0% | 6.625% | $4,060 | 5.0% | $541,287 |
| St. Clair County | 29 | — | — | — | — | — | 20.0% | $541,287 |
| Ste. Genevieve County | 152 | $215,000 | $95,000 | 5.0% | 6.750% | $3,710 | 7.6% | $541,287 |
| St. Francois County | 637 | $195,000 | $78,000 | 3.5% | 6.625% | $3,820 | 9.3% | $541,287 |
| St. Louis County | 9,242 | $265,000 | $104,000 | 10.0% | 6.625% | $4,080 | 7.0% | $541,287 |
| Saline County | 187 | $155,000 | $67,000 | 3.5% | 6.750% | $2,800 | 11.3% | $541,287 |
| Schuyler County | 18 | — | — | — | — | — | — | $541,287 |
| Scotland County | 11 | — | — | — | — | — | — | $541,287 |
| Scott County | 273 | $165,000 | $68,000 | 3.5% | 6.625% | $2,870 | 10.7% | $541,287 |
| Shannon County | 29 | — | — | — | — | — | 6.1% | $541,287 |
| Shelby County | 17 | — | — | — | — | — | — | $541,287 |
| Stoddard County | 202 | $155,000 | $70,000 | 3.5% | 6.625% | $2,820 | 11.1% | $541,287 |
| Stone County | 311 | $275,000 | $107,000 | 15.0% | 6.750% | $3,780 | 5.9% | $541,287 |
| Sullivan County | 15 | — | — | — | — | — | — | $541,287 |
| Taney County | 458 | $225,000 | $84,000 | 10.0% | 6.750% | $3,640 | 5.6% | $541,287 |
| Texas County | 164 | $175,000 | $75,000 | 3.5% | 6.750% | $3,510 | 10.2% | $541,287 |
| Vernon County | 132 | $165,000 | $76,000 | 3.5% | 6.500% | $2,970 | 8.8% | $541,287 |
| Warren County | 548 | $295,000 | $94,000 | 5.0% | 6.625% | $4,110 | 5.0% | $541,287 |
| Washington County | 156 | $185,000 | $79,000 | 4.4% | 6.750% | $3,860 | 9.9% | $541,287 |
| Wayne County | 64 | $155,000 | $67,000 | 3.5% | — | — | 16.7% | $541,287 |
| Webster County | 397 | $245,000 | $87,000 | 5.0% | 6.625% | $3,610 | 7.1% | $541,287 |
| Worth County | 9 | — | — | — | — | — | — | $541,287 |
| Wright County | 138 | $175,000 | $72,000 | 5.0% | 6.500% | $3,020 | 6.6% | $541,287 |
| St. Louis city | 2,364 | $225,000 | $93,000 | 6.5% | 6.625% | $3,970 | 7.2% | $541,287 |
Who bought homes in Missouri
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Purchase loans
62,270
of 68,281 applications
Buyer income
$93,000
Middle half $65,000–$140,000
Home value
$285,000
Middle half $205,000–$405,000
Loan amount
$245,000
Middle half $175,000–$345,000
Down payment
5%
33.4% put 20%+ down
Single borrower
53.8%
No co-applicant
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in Missouri
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Missouri | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $3,710 | $5,570 |
| Total loan costs · FHA | $8,150 | $11,310 |
| Total loan costs · VA | $4,530 | $6,490 |
| Origination charges (all loan types) | $1,450 | $1,860 |
| Borrowers paying discount points | 37.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.48% | 0.87% |
| Borrowers receiving lender credits | 31.7% | 33.1% |
| Adjustable-rate mortgages | 5.8% | 7.4% |
| Jumbo loans (above conforming limit) | 1.3% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Missouri: 4,411 of 68,281 completed home-purchase applications were denied (6.5%).
Denial rate
| Application | Missouri | U.S. |
|---|---|---|
| Home purchase | 6.5% | 8.5% |
| Conventional | 5.4% | 7.1% |
| FHA | 9.2% | 12.5% |
| VA | 6.9% | 8.0% |
| USDA | 9.9% | 12.5% |
| Refinance | 13.3% | 17.9% |
| Cash-out refinance | 31.5% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Missouri
Refinances
16,362
Median loan $265,000
Refi rate
6.49%
30-yr fixed, conv.
Refi loan costs
$3,090
Conventional
Cash-out refis
11,944
Median loan $195,000
Cash-out rate
6.875%
30-yr fixed, conv.
Cash-out income
$84,000
Median borrower
Top mortgage lenders in Missouri
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. | 6,684 | 7.4% | 1.0% | 6.625% | +0.24 | $3,520 |
| 2 | Rocket Mortgage, LLC | 5,152 | 5.7% | 13.2% | 6.750% | +0.33 | $4,390 |
| 3 | Guild Mortgage Company | 4,615 | 5.1% | 2.6% | 6.625% | +0.30 | $4,050 |
| 4 | United Wholesale Mortgage (UWM) | 4,368 | 4.8% | 6.2% | 6.625% | +0.30 | $4,160 |
| 5 | DAS Acquisition Company, LLC | 2,980 | 3.3% | 1.8% | 6.875% | +0.45 | $4,320 |
| 6 | Veterans United Home Loans | 2,750 | 3.0% | 9.4% | 6.625% | +0.31 | $2,460 |
| 7 | The Central Trust Bank | 2,367 | 2.6% | 2.7% | 6.750% | +0.28 | $3,580 |
| 8 | New American Funding | 2,010 | 2.2% | 4.5% | 6.875% | +0.45 | $4,470 |
| 9 | Fairway Independent Mortgage Corporation | 1,965 | 2.2% | 3.0% | 6.750% | +0.33 | $3,600 |
| 10 | Pennymac Loan Services, LLC | 1,908 | 2.1% | 13.2% | 6.750% | +0.27 | $3,660 |
| 11 | Freedom Mortgage Corporation | 1,779 | 2.0% | 14.8% | — | +0.48 | $6,210 |
| 12 | U.S. Bank, N.A. | 1,591 | 1.8% | 9.9% | 6.625% | +0.10 | $3,520 |
| 13 | Communityamerica Credit Union | 1,555 | 1.7% | 1.8% | 6.625% | +0.24 | $3,100 |
| 14 | Gershman Investment Corp. | 1,396 | 1.5% | 8.1% | 6.625% | +0.32 | $3,660 |
| 15 | Leaderone Financial Corporation | 1,259 | 1.4% | 8.5% | 6.625% | +0.29 | $4,290 |
| 16 | Primelending, a Plainscapital Company | 1,237 | 1.4% | 1.4% | 6.625% | +0.20 | $3,750 |
| 17 | First State Bank of St. Charles, Missouri | 1,209 | 1.3% | 0.0% | 6.500% | +0.12 | $3,710 |
| 18 | Stifel Bank and Trust | 1,140 | 1.3% | 1.7% | 6.375% | −0.04 | $3,060 |
| 19 | Arvest Bank | 1,072 | 1.2% | 4.4% | 6.625% | +0.26 | $3,650 |
| 20 | Newrez LLC | 1,008 | 1.1% | 14.3% | 6.875% | +0.49 | $3,920 |
| 21 | CrossCountry Mortgage, Inc. | 928 | 1.0% | 2.2% | 6.875% | +0.54 | $4,080 |
| 22 | First State Community Bank | 733 | 0.8% | 17.4% | 6.500% | −0.00 | $3,210 |
| 23 | Mr. Cooper | 679 | 0.8% | 9.6% | 6.625% | +0.22 | $3,770 |
| 24 | Guaranteed Rate Affinity, LLC | 675 | 0.8% | 4.7% | 6.625% | +0.25 | $4,690 |
| 25 | loanDepot.com, LLC | 643 | 0.7% | 11.9% | 6.575% | +0.17 | $4,650 |
Largest lenders in Missouri by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in Missouri
- St. Louis, MO-IL · 28,803 purchases
- Kansas City, MO-KS · 25,238 purchases
- Springfield, MO · 5,687 purchases
- Joplin, MO-KS · 2,114 purchases
- Columbia, MO · 2,058 purchases
- Jefferson City, MO · 1,479 purchases
- St. Joseph, MO-KS · 1,156 purchases
- Cape Girardeau, MO-IL · 874 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology