Mortgage lending in Jefferson County, Missouri
Lenders in Jefferson County, Missouri reported 10,467 mortgage applications for 2025, according to the CFPB.
10,467 mortgage applications and 6,586 loans originated in 2025; the denial rate was 19.4% of 8,578 applications decided. The median loan was about $205,000. 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.
- 10,467
- Applications
- 6,586
- Loans originated
- 19.4%
- Denial rate
- 1,668 denied of 8,578 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,467 | 6,586 |
| 2024 | 9,449 | 5,876 |
| 2023 | 8,357 | 5,102 |
| 2022 | 11,860 | 7,249 |
| 2021 | 19,498 | 13,177 |
| 2020 | 19,051 | 12,976 |
| 2019 | 13,024 | 8,502 |
| 2018 | 10,618 | 6,532 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 535 | 719 |
| United Wholesale Mortgage | 347 | 427 |
| Rocket Mortgage | 339 | 467 |
| Das Acquisition Company, LLC | 278 | 361 |
| First Community Credit Union | 265 | 484 |
| New American Funding, LLC. | 224 | 365 |
| Together Credit Union | 212 | 311 |
| First State Community Bank | 201 | 289 |
| US Bank, N.A. | 167 | 335 |
| Gershman Investment Corp. | 148 | 204 |
| Pennymac Loan Services LLC | 143 | 242 |
| Newrez LLC | 142 | 284 |
| Commerce Bank | 139 | 287 |
| Flat Branch Mortgage, Inc. | 138 | 163 |
| Family Finance Mortgage LLC | 115 | 115 |
| Mortgage Research Center | 99 | 208 |
| Vantage Credit Union | 98 | 125 |
| Bank of America NA | 97 | 197 |
| Arsenal Credit Union | 92 | 106 |
| Nationstar Mortgage | 87 | 121 |
| Freedom Mortgage Corporation | 85 | 187 |
| Regions Bank | 80 | 130 |
| Stifel Bank & Trust | 79 | 91 |
| Guaranteed Rate Affinity, LLC | 75 | 99 |
| Ozarks Federal Savings and Loan | 69 | 84 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 54 | no rate: base under 50 |
| Asian | 110 | 23.8% of 80 decided |
| Black or African American | 96 | 26.7% of 75 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 8,858 | 18.6% of 7,308 decided |
| 2 or more minority races | under 10 | |
| Joint | 172 | 22.5% of 142 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,164 | 24.5% of 925 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 193 | 29.8% of 158 decided |
| Not Hispanic or Latino | 8,864 | 18.3% of 7,312 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,251 | 24.2% of 988 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,544 | 20.8% of 2,846 decided |
| Female | 2,078 | 24.4% of 1,696 decided |
| Joint | 4,151 | 15.5% of 3,509 decided |
| Sex Not Available | 694 | 22.4% of 527 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. 1018 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