Mortgage lending in Phelps County, Missouri
Lenders in Phelps County, Missouri reported 1,351 mortgage applications for 2025, according to the CFPB.
1,351 mortgage applications and 733 loans originated in 2025; the denial rate was 23.9% of 1,053 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: Phelps County, MO.
- 1,351
- Applications
- 733
- Loans originated
- 23.9%
- Denial rate
- 252 denied of 1,053 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,351 | 733 |
| 2024 | 954 | 525 |
| 2023 | 825 | 468 |
| 2022 | 1,123 | 654 |
| 2021 | 1,449 | 949 |
| 2020 | 1,234 | 798 |
| 2019 | 952 | 576 |
| 2018 | 816 | 498 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Phelps County Bank | 64 | 90 |
| Guild Mortgage Company | 59 | 87 |
| Flat Branch Mortgage, Inc. | 49 | 62 |
| Rocket Mortgage | 48 | 69 |
| Infuze Credit Union | 39 | 77 |
| US Bank, N.A. | 35 | 63 |
| loanDepot.com LLC | 28 | 42 |
| New American Funding, LLC. | 28 | 49 |
| Gold Star Mortgage Financial Group, Corporation | 26 | 39 |
| Das Acquisition Company, LLC | 25 | 32 |
| Mortgage Research Center | 23 | 52 |
| First State Community Bank | 23 | 32 |
| Southern Bank | 19 | 24 |
| The Central Trust Bank | 17 | 26 |
| Freedom Mortgage Corporation | 16 | 30 |
| Pennymac Loan Services LLC | 15 | 40 |
| The Maries County Bank | 10 | 15 |
| United Wholesale Mortgage | 10 | 13 |
| Village Capital & Investment | 9 | 11 |
| JPMorgan Chase Bank, NA | 7 | 13 |
| Newrez LLC | 6 | 13 |
| Peoples Bank | 6 | 8 |
| New Day Financial, LLC. | 6 | 24 |
| Amerisave Mortgage Company | 6 | 23 |
| Navy Federal Credit Union | 5 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 38 | no rate: base under 50 |
| Black or African American | 23 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,045 | 24.3% of 810 decided |
| Joint | 31 | no rate: base under 50 |
| Race Not Available | 203 | 19.1% of 168 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 31 | no rate: base under 50 |
| Not Hispanic or Latino | 1,089 | 24.4% of 840 decided |
| Joint | 22 | no rate: base under 50 |
| Ethnicity Not Available | 209 | 22.2% of 167 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 471 | 23.8% of 357 decided |
| Female | 250 | 32.7% of 199 decided |
| Joint | 495 | 20.0% of 386 decided |
| Sex Not Available | 135 | 22.5% of 111 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. 1275 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