Mortgage lending in Boone County, Missouri
Lenders in Boone County, Missouri reported 6,185 mortgage applications for 2025, according to the CFPB.
6,185 mortgage applications and 4,124 loans originated in 2025; the denial rate was 13.6% of 4,989 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Columbia, MO HUD Metro FMR Area.
- 6,185
- Applications
- 4,124
- Loans originated
- 13.6%
- Denial rate
- 678 denied of 4,989 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,185 | 4,124 |
| 2024 | 5,431 | 3,488 |
| 2023 | 5,007 | 3,294 |
| 2022 | 6,650 | 4,573 |
| 2021 | 10,450 | 7,571 |
| 2020 | 10,865 | 7,872 |
| 2019 | 6,580 | 4,656 |
| 2018 | 5,421 | 3,825 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| The Central Trust Bank | 675 | 968 |
| Flat Branch Mortgage, Inc. | 507 | 606 |
| Multipli Federal Credit Union | 402 | 485 |
| Rocket Mortgage | 152 | 203 |
| Mortgage Research Center | 149 | 274 |
| United Wholesale Mortgage | 127 | 170 |
| Das Acquisition Company, LLC | 115 | 161 |
| Simmons Bank | 98 | 128 |
| The Bank of Missouri | 87 | 104 |
| First State Community Bank | 86 | 112 |
| Commerce Bank | 83 | 136 |
| Mid America Bank | 82 | 91 |
| US Bank, N.A. | 82 | 144 |
| West Community Credit Union | 68 | 118 |
| Hawthorn Bank | 65 | 70 |
| Bell Bank | 52 | 80 |
| Exchange Bank of Missouri | 50 | 56 |
| Pennymac Loan Services LLC | 49 | 90 |
| The Callaway Bank | 47 | 49 |
| First Midwest Bank of the Ozarks | 40 | 43 |
| First State Bank of ST Charles | 36 | 36 |
| Nationstar Mortgage | 33 | 46 |
| Guild Mortgage Company | 32 | 40 |
| Freedom Mortgage Corporation | 30 | 79 |
| Bank of America NA | 29 | 56 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 25 | no rate: base under 50 |
| Asian | 225 | 16.1% of 168 decided |
| Black or African American | 311 | 28.2% of 227 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,206 | 13.1% of 3,423 decided |
| 2 or more minority races | under 10 | |
| Joint | 163 | 13.6% of 132 decided |
| Race Not Available | 1,240 | 11.7% of 1,011 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 159 | 28.6% of 119 decided |
| Not Hispanic or Latino | 4,686 | 13.7% of 3,784 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,241 | 10.8% of 1,007 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,721 | 17.5% of 1,352 decided |
| Female | 1,249 | 18.6% of 982 decided |
| Joint | 2,378 | 10.1% of 1,952 decided |
| Sex Not Available | 837 | 8.7% of 703 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 770 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved