Mortgage lending in Polk County, Missouri
Lenders in Polk County, Missouri reported 1,298 mortgage applications for 2025, according to the CFPB.
1,298 mortgage applications and 813 loans originated in 2025; the denial rate was 20.5% of 1,066 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: Polk County, MO HUD Metro FMR Area.
- 1,298
- Applications
- 813
- Loans originated
- 20.5%
- Denial rate
- 219 denied of 1,066 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,298 | 813 |
| 2024 | 1,157 | 721 |
| 2023 | 917 | 563 |
| 2022 | 1,278 | 859 |
| 2021 | 1,639 | 1,103 |
| 2020 | 1,533 | 1,037 |
| 2019 | 1,227 | 816 |
| 2018 | 961 | 631 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Flat Branch Mortgage, Inc. | 86 | 95 |
| OakStar Bank | 74 | 84 |
| The Bank of Missouri | 70 | 97 |
| Rocket Mortgage | 42 | 61 |
| Grand Missouri Bank | 30 | 38 |
| Mid-Missouri Bank | 30 | 35 |
| The Central Trust Bank | 25 | 35 |
| United Wholesale Mortgage | 24 | 30 |
| US Bank, N.A. | 21 | 45 |
| Pennymac Loan Services LLC | 20 | 33 |
| Mortgage Research Center | 19 | 31 |
| BluCurrent Credit Union | 17 | 23 |
| Commerce Bank | 17 | 33 |
| Gershman Investment Corp. | 14 | 16 |
| Arvest Bank | 14 | 20 |
| Great Southern Bank | 12 | 18 |
| American Financial Resources LLC | 12 | 17 |
| Newrez LLC | 12 | 27 |
| Das Acquisition Company, LLC | 12 | 17 |
| New American Funding, LLC. | 11 | 19 |
| Guild Mortgage Company | 10 | 12 |
| Freedom Mortgage Corporation | 10 | 24 |
| Crosscountry Mortgage, LLC | 10 | 11 |
| O'Bannon Banking Company | 9 | 12 |
| Sullivan Bank | 9 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 18 | no rate: base under 50 |
| White | 1,063 | 20.9% of 869 decided |
| 2 or more minority races | under 10 | |
| Joint | 24 | no rate: base under 50 |
| Race Not Available | 174 | 12.8% of 148 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 15 | no rate: base under 50 |
| Not Hispanic or Latino | 1,065 | 20.7% of 879 decided |
| Joint | 14 | no rate: base under 50 |
| Ethnicity Not Available | 204 | 17.1% of 164 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 365 | 22.4% of 304 decided |
| Female | 237 | 33.0% of 197 decided |
| Joint | 570 | 16.5% of 455 decided |
| Sex Not Available | 126 | 10.0% of 110 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. 1276 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