Mortgage lending in Lincoln County, Missouri
Lenders in Lincoln County, Missouri reported 2,909 mortgage applications for 2025, according to the CFPB.
2,909 mortgage applications and 1,827 loans originated in 2025; the denial rate was 18.6% of 2,375 applications decided. The median loan was about $225,000. 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.
- 2,909
- Applications
- 1,827
- Loans originated
- 18.6%
- Denial rate
- 442 denied of 2,375 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,909 | 1,827 |
| 2024 | 2,589 | 1,637 |
| 2023 | 2,389 | 1,468 |
| 2022 | 3,361 | 2,071 |
| 2021 | 5,314 | 3,649 |
| 2020 | 5,292 | 3,687 |
| 2019 | 3,306 | 2,193 |
| 2018 | 2,796 | 1,805 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 128 | 166 |
| The Bank of Old Monroe | 121 | 142 |
| Rocket Mortgage | 105 | 132 |
| Flat Branch Mortgage, Inc. | 83 | 91 |
| New American Funding, LLC. | 69 | 123 |
| Peoples Bank & Trust Co. | 60 | 85 |
| First State Bank of ST Charles | 56 | 56 |
| First Community Credit Union | 56 | 100 |
| Das Acquisition Company, LLC | 56 | 76 |
| United Wholesale Mortgage | 52 | 66 |
| US Bank, N.A. | 49 | 92 |
| HNB National Bank | 39 | 45 |
| Freedom Mortgage Corporation | 32 | 74 |
| Pennymac Loan Services LLC | 31 | 50 |
| Vantage Credit Union | 30 | 42 |
| Nations Lending Corporation | 29 | 32 |
| Community State Bank of Missouri | 28 | 41 |
| Mortgage Research Center | 28 | 66 |
| Crosscountry Mortgage, LLC | 28 | 39 |
| Nationstar Mortgage | 24 | 32 |
| Geneva Financial LLC | 23 | 38 |
| American Pacific Mortgage Corporation | 23 | 29 |
| Stifel Bank & Trust | 23 | 27 |
| Guaranteed Rate Affinity, LLC | 21 | 27 |
| Newrez LLC | 21 | 42 |
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 | 44 | no rate: base under 50 |
| White | 2,461 | 18.3% of 2,002 decided |
| 2 or more minority races | under 10 | |
| Joint | 40 | no rate: base under 50 |
| Race Not Available | 345 | 18.3% of 284 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 43 | no rate: base under 50 |
| Not Hispanic or Latino | 2,436 | 18.5% of 1,990 decided |
| Joint | 45 | no rate: base under 50 |
| Ethnicity Not Available | 385 | 18.0% of 311 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 979 | 20.4% of 803 decided |
| Female | 487 | 27.6% of 377 decided |
| Joint | 1,232 | 14.4% of 1,017 decided |
| Sex Not Available | 211 | 15.2% of 178 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. 774 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