Mortgage lending in Osage County, Missouri
Lenders in Osage County, Missouri reported 447 mortgage applications for 2025, according to the CFPB.
447 mortgage applications and 317 loans originated in 2025; the denial rate was 11.5% of 374 applications decided. The median loan was about $175,000. 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.
- 447
- Applications
- 317
- Loans originated
- 11.5%
- Denial rate
- 43 denied of 374 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 447 | 317 |
| 2024 | 358 | 250 |
| 2023 | 291 | 203 |
| 2022 | 394 | 285 |
| 2021 | 622 | 465 |
| 2020 | 661 | 500 |
| 2019 | 446 | 319 |
| 2018 | 396 | 297 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mid America Bank | 51 | 61 |
| Legends Bank | 48 | 58 |
| Flat Branch Mortgage, Inc. | 32 | 36 |
| The Central Trust Bank | 27 | 39 |
| Multipli Federal Credit Union | 22 | 29 |
| Gershman Investment Corp. | 18 | 23 |
| The Maries County Bank | 13 | 16 |
| Mortgage Research Center | 11 | 18 |
| Pennymac Loan Services LLC | 11 | 21 |
| Rocket Mortgage | 10 | 13 |
| Heritage Community Bank | 8 | 9 |
| United Wholesale Mortgage | 6 | 6 |
| US Bank, N.A. | 5 | 6 |
| Hawthorn Bank | 3 | 3 |
| Village Capital & Investment | 3 | 4 |
| Gold Star Mortgage Financial Group, Corporation | 2 | 2 |
| loanDepot.com LLC | 2 | 4 |
| Newrez LLC | 2 | 3 |
| Ocmbc, Inc. | 2 | 2 |
| Nationstar Mortgage | 2 | 2 |
| Freedom Mortgage Corporation | 2 | 6 |
| Mid-Continent Funding, Inc. | 2 | 2 |
| Towne Mortgage Company | 2 | 4 |
| Carrington Mortgage Services LLC | 2 | 4 |
| Regions Bank | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 395 | 12.0% of 332 decided |
| Race Not Available | 49 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 372 | 10.2% of 314 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 67 | 13.2% of 53 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 119 | 12.9% of 101 decided |
| Female | 72 | 22.2% of 63 decided |
| Joint | 220 | 7.7% of 181 decided |
| Sex Not Available | 36 | 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. 1434 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