Mortgage lending in Cole County, Missouri
Lenders in Cole County, Missouri reported 2,911 mortgage applications for 2025, according to the CFPB.
2,911 mortgage applications and 2,058 loans originated in 2025; the denial rate was 12.4% of 2,429 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: Jefferson City, MO HUD Metro FMR Area.
- 2,911
- Applications
- 2,058
- Loans originated
- 12.4%
- Denial rate
- 302 denied of 2,429 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,911 | 2,058 |
| 2024 | 2,548 | 1,806 |
| 2023 | 2,328 | 1,657 |
| 2022 | 2,951 | 2,151 |
| 2021 | 4,104 | 2,971 |
| 2020 | 4,503 | 3,437 |
| 2019 | 2,707 | 1,951 |
| 2018 | 2,404 | 1,741 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| The Central Trust Bank | 480 | 668 |
| Multipli Federal Credit Union | 278 | 327 |
| Flat Branch Mortgage, Inc. | 273 | 322 |
| United Wholesale Mortgage | 145 | 162 |
| Mid America Bank | 108 | 133 |
| Rocket Mortgage | 63 | 92 |
| Hawthorn Bank | 56 | 66 |
| Mortgage Research Center | 55 | 109 |
| Community Point Bank | 34 | 35 |
| Geneva Financial LLC | 32 | 39 |
| Pennymac Loan Services LLC | 31 | 54 |
| Sullivan Bank | 30 | 30 |
| American Financial Resources LLC | 29 | 32 |
| First Mid Bank and Trust, NA | 22 | 32 |
| Nationstar Mortgage | 19 | 20 |
| Das Acquisition Company, LLC | 16 | 22 |
| Legends Bank | 15 | 17 |
| ResMac Inc | 15 | 15 |
| Navy Federal Credit Union | 14 | 19 |
| Freedom Mortgage Corporation | 14 | 35 |
| Kind Lending, LLC | 14 | 20 |
| New American Funding, LLC. | 12 | 26 |
| Gershman Investment Corp. | 10 | 16 |
| Goodleap, LLC | 10 | 12 |
| Heritage Community Bank | 9 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 20 | no rate: base under 50 |
| Black or African American | 137 | 19.8% of 106 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,229 | 11.8% of 1,875 decided |
| 2 or more minority races | under 10 | |
| Joint | 44 | no rate: base under 50 |
| Race Not Available | 465 | 12.3% of 383 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 79 | 24.2% of 66 decided |
| Not Hispanic or Latino | 2,278 | 12.2% of 1,898 decided |
| Joint | withheld | |
| Ethnicity Not Available | 522 | 11.9% of 435 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 775 | 17.0% of 622 decided |
| Female | 660 | 15.5% of 537 decided |
| Joint | 1,124 | 8.9% of 970 decided |
| Sex Not Available | 352 | 9.0% of 300 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. 1271 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