Mortgage lending in Ray County, Missouri
Lenders in Ray County, Missouri reported 928 mortgage applications for 2025, according to the CFPB.
928 mortgage applications and 587 loans originated in 2025; the denial rate was 19.4% of 754 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: Kansas City, MO-KS HUD Metro FMR Area.
- 928
- Applications
- 587
- Loans originated
- 19.4%
- Denial rate
- 146 denied of 754 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 928 | 587 |
| 2024 | 831 | 506 |
| 2023 | 774 | 480 |
| 2022 | 975 | 609 |
| 2021 | 1,295 | 847 |
| 2020 | 1,149 | 768 |
| 2019 | 919 | 569 |
| 2018 | 855 | 520 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Leaderone Financial Corp. | 56 | 74 |
| Rocket Mortgage | 40 | 53 |
| Community Bank of Missouri | 33 | 44 |
| Communityamerica Federal Credit Union | 27 | 50 |
| NBH Bank | 27 | 48 |
| Nationstar Mortgage | 18 | 20 |
| Fairway Independent Mort Corp | 17 | 25 |
| Mortgage Research Center | 16 | 25 |
| Flat Branch Mortgage, Inc. | 16 | 19 |
| Goppert Financial Bank | 12 | 13 |
| Farmers State Bank | 11 | 20 |
| Assemblies of God Credit Union | 11 | 11 |
| United Wholesale Mortgage | 11 | 16 |
| Freedom Mortgage Corporation | 11 | 27 |
| Union Home Mortgage Corp. | 11 | 15 |
| Pennymac Loan Services LLC | 11 | 23 |
| Primelending | 10 | 13 |
| Guild Mortgage Company | 10 | 12 |
| Central Missouri Community Credit Union | 10 | 21 |
| The Central Trust Bank | 9 | 21 |
| US Bank, N.A. | 8 | 18 |
| Guaranteed Rate, Inc. | 7 | 9 |
| Endeavor Capital, LLC | 6 | 6 |
| Navy Federal Credit Union | 5 | 7 |
| Newrez LLC | 5 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 772 | 18.0% of 633 decided |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 124 | 23.4% of 94 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 11 | no rate: base under 50 |
| Not Hispanic or Latino | 784 | 18.7% of 643 decided |
| Joint | 13 | no rate: base under 50 |
| Ethnicity Not Available | 120 | 22.2% of 90 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 348 | 23.6% of 288 decided |
| Female | 154 | 21.8% of 124 decided |
| Joint | 349 | 12.3% of 284 decided |
| Sex Not Available | 77 | 27.6% of 58 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. 1277 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