Mortgage lending in Cape Girardeau County, Missouri
Lenders in Cape Girardeau County, Missouri reported 2,724 mortgage applications for 2025, according to the CFPB.
2,724 mortgage applications and 1,770 loans originated in 2025; the denial rate was 17.1% of 2,238 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cape Girardeau, MO-IL MSA.
- 2,724
- Applications
- 1,770
- Loans originated
- 17.1%
- Denial rate
- 382 denied of 2,238 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,724 | 1,770 |
| 2024 | 2,435 | 1,586 |
| 2023 | 2,268 | 1,495 |
| 2022 | 3,026 | 1,962 |
| 2021 | 4,870 | 3,506 |
| 2020 | 5,146 | 3,612 |
| 2019 | 3,397 | 2,335 |
| 2018 | 2,888 | 1,899 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First State Community Bank | 170 | 256 |
| Das Acquisition Company, LLC | 123 | 147 |
| The Bank of Missouri | 119 | 194 |
| Montgomery Bank | 96 | 126 |
| Southern Bank | 90 | 103 |
| Rocket Mortgage | 81 | 103 |
| Guild Mortgage Company | 74 | 95 |
| Regions Bank | 74 | 128 |
| Alliance Bank | 72 | 81 |
| US Bank, N.A. | 72 | 113 |
| First Missouri State Bank of Cape County | 59 | 64 |
| First Midwest Bank of Dexter | 51 | 54 |
| Flat Branch Mortgage, Inc. | 44 | 65 |
| Wood & Huston Bank | 41 | 47 |
| Mortgage Research Center | 39 | 80 |
| Pennymac Loan Services LLC | 31 | 49 |
| Synergy One Lending, Inc. | 26 | 37 |
| Delmar Financial Company | 25 | 31 |
| MRV Banks | 25 | 26 |
| Banterra Bank | 24 | 46 |
| Commerce Bank | 24 | 52 |
| Gershman Investment Corp. | 23 | 32 |
| Nations Direct Mortgage, LLC | 22 | 29 |
| Truist Bank | 19 | 26 |
| Nationstar Mortgage | 16 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | 39 | no rate: base under 50 |
| Black or African American | 96 | 28.8% of 66 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,135 | 17.3% of 1,769 decided |
| 2 or more minority races | under 10 | |
| Joint | 43 | no rate: base under 50 |
| Race Not Available | 391 | 10.5% of 324 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 40 | no rate: base under 50 |
| Not Hispanic or Latino | 2,234 | 18.0% of 1,835 decided |
| Joint | withheld | |
| Ethnicity Not Available | 420 | 10.1% of 345 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 789 | 21.3% of 620 decided |
| Female | 540 | 24.6% of 452 decided |
| Joint | 1,096 | 13.1% of 915 decided |
| Sex Not Available | 299 | 7.6% of 251 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. 1430 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