Mortgage lending in Callaway County, Missouri
Lenders in Callaway County, Missouri reported 1,724 mortgage applications for 2025, according to the CFPB.
1,724 mortgage applications and 1,069 loans originated in 2025; the denial rate was 18.4% of 1,389 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Callaway County, MO HUD Metro FMR Area.
- 1,724
- Applications
- 1,069
- Loans originated
- 18.4%
- Denial rate
- 255 denied of 1,389 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,724 | 1,069 |
| 2024 | 1,439 | 901 |
| 2023 | 1,308 | 830 |
| 2022 | 1,675 | 1,059 |
| 2021 | 2,336 | 1,494 |
| 2020 | 2,408 | 1,700 |
| 2019 | 1,560 | 999 |
| 2018 | 1,448 | 880 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| The Central Trust Bank | 185 | 272 |
| Flat Branch Mortgage, Inc. | 167 | 216 |
| Multipli Federal Credit Union | 76 | 104 |
| The Callaway Bank | 51 | 71 |
| United Wholesale Mortgage | 51 | 62 |
| Rocket Mortgage | 45 | 63 |
| United Security Bank | 42 | 42 |
| Mortgage Research Center | 30 | 61 |
| Mid America Bank | 29 | 38 |
| Exchange Bank of Missouri | 17 | 19 |
| Das Acquisition Company, LLC | 15 | 24 |
| Geneva Financial LLC | 14 | 21 |
| US Bank, N.A. | 13 | 21 |
| Hawthorn Bank | 12 | 15 |
| Navy Federal Credit Union | 12 | 19 |
| United Credit Union | 11 | 25 |
| American Financial Resources LLC | 11 | 13 |
| Pennymac Loan Services LLC | 11 | 19 |
| BTC Bank | 10 | 12 |
| Commerce Bank | 10 | 17 |
| loanDepot.com LLC | 9 | 15 |
| Nationstar Mortgage | 8 | 12 |
| Midwest Mortgage Associates Corp | 8 | 18 |
| Regions Bank | 8 | 17 |
| New American Funding, LLC. | 6 | 23 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 14 | no rate: base under 50 |
| Black or African American | 43 | no rate: base under 50 |
| White | 1,371 | 17.8% of 1,112 decided |
| 2 or more minority races | under 10 | |
| Joint | 31 | no rate: base under 50 |
| Race Not Available | 251 | 17.2% of 198 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 36 | no rate: base under 50 |
| Not Hispanic or Latino | 1,386 | 18.3% of 1,115 decided |
| Joint | withheld | |
| Ethnicity Not Available | 281 | 18.6% of 226 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 543 | 20.4% of 431 decided |
| Female | 301 | 23.0% of 239 decided |
| Joint | 693 | 15.2% of 574 decided |
| Sex Not Available | 187 | 17.2% of 145 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. 1269 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