Mortgage lending in Franklin County, Missouri
Lenders in Franklin County, Missouri reported 3,792 mortgage applications for 2025, according to the CFPB.
3,792 mortgage applications and 2,455 loans originated in 2025; the denial rate was 17.0% of 3,108 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Louis, MO-IL HUD Metro FMR Area.
- 3,792
- Applications
- 2,455
- Loans originated
- 17.0%
- Denial rate
- 527 denied of 3,108 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,792 | 2,455 |
| 2024 | 3,441 | 2,219 |
| 2023 | 3,045 | 1,990 |
| 2022 | 4,203 | 2,754 |
| 2021 | 6,781 | 4,752 |
| 2020 | 7,063 | 5,181 |
| 2019 | 4,655 | 3,209 |
| 2018 | 3,946 | 2,549 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 168 | 255 |
| Sullivan Bank | 139 | 152 |
| United Bank of Union | 131 | 167 |
| First State Community Bank | 127 | 185 |
| Bank of Washington | 107 | 149 |
| Rocket Mortgage | 90 | 132 |
| First Community Credit Union | 90 | 164 |
| Flat Branch Mortgage, Inc. | 89 | 109 |
| US Bank, N.A. | 76 | 156 |
| Das Acquisition Company, LLC | 72 | 94 |
| Newrez LLC | 69 | 118 |
| Citizens Bank | 54 | 70 |
| United Wholesale Mortgage | 51 | 59 |
| First State Bank of ST Charles | 50 | 50 |
| Mortgage Research Center | 47 | 84 |
| Bank of Franklin County | 41 | 61 |
| New American Funding, LLC. | 40 | 78 |
| Heritage Community Bank | 37 | 40 |
| Pennymac Loan Services LLC | 35 | 70 |
| Farmers and Merchants Bank of ST. Clair | 31 | 37 |
| The Central Trust Bank | 28 | 41 |
| Stifel Bank & Trust | 28 | 33 |
| Gershman Investment Corp. | 26 | 36 |
| JLB Corporation Dba Golden Oak Lending | 23 | 25 |
| Freedom Mortgage Corporation | 23 | 52 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 27 | no rate: base under 50 |
| Asian | 29 | no rate: base under 50 |
| Black or African American | 24 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,146 | 16.6% of 2,582 decided |
| 2 or more minority races | under 10 | |
| Joint | 54 | no rate: base under 50 |
| Race Not Available | 510 | 17.2% of 418 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 48 | no rate: base under 50 |
| Not Hispanic or Latino | 3,130 | 16.6% of 2,568 decided |
| Joint | 42 | no rate: base under 50 |
| Ethnicity Not Available | 572 | 17.6% of 467 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,307 | 20.2% of 1,044 decided |
| Female | 646 | 17.7% of 530 decided |
| Joint | 1,507 | 14.0% of 1,254 decided |
| Sex Not Available | 332 | 16.4% of 280 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. 1155 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