Mortgage lending in Cooper County, Missouri
Lenders in Cooper County, Missouri reported 556 mortgage applications for 2025, according to the CFPB.
556 mortgage applications and 349 loans originated in 2025; the denial rate was 16.6% of 446 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: Cooper County, MO HUD Metro FMR Area.
- 556
- Applications
- 349
- Loans originated
- 16.6%
- Denial rate
- 74 denied of 446 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 556 | 349 |
| 2024 | 572 | 378 |
| 2023 | 477 | 316 |
| 2022 | 598 | 375 |
| 2021 | 826 | 559 |
| 2020 | 750 | 525 |
| 2019 | 597 | 408 |
| 2018 | 410 | 272 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Alliant Bank | 37 | 48 |
| The Central Trust Bank | 37 | 59 |
| Flat Branch Mortgage, Inc. | 34 | 42 |
| BTC Bank | 23 | 26 |
| Mortgage Research Center | 17 | 31 |
| Multipli Federal Credit Union | 16 | 25 |
| Das Acquisition Company, LLC | 14 | 17 |
| Rocket Mortgage | 11 | 27 |
| Exchange Bank of Missouri | 10 | 15 |
| First State Community Bank | 9 | 11 |
| United Wholesale Mortgage | 8 | 14 |
| Freedom Mortgage Corporation | 7 | 14 |
| Peoples Bank of Moniteau County | 6 | 6 |
| Connections Bank | 5 | 6 |
| Newrez LLC | 5 | 10 |
| Commercial Trust Company | 5 | 6 |
| Pennymac Loan Services LLC | 5 | 7 |
| US Bank, N.A. | 4 | 5 |
| Planet Home Lending, LLC | 3 | 4 |
| Community Banc Mortgage Corp | 3 | 7 |
| West Community Credit Union | 3 | 5 |
| Mid America Bank | 3 | 4 |
| American Pacific Mortgage Corporation | 3 | 4 |
| Midwest Mortgage Associates Corp | 3 | 3 |
| Southern Bank | 3 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 10 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 436 | 14.5% of 352 decided |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 90 | 22.5% of 71 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 444 | 15.9% of 358 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 102 | 20.0% of 80 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 161 | 21.1% of 128 decided |
| Female | 106 | 20.9% of 86 decided |
| Joint | 244 | 12.6% of 199 decided |
| Sex Not Available | 45 | no rate: base under 50 |
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. 1272 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