Mortgage lending in St. Francois County, Missouri
Lenders in St. Francois County, Missouri reported 2,276 mortgage applications for 2025, according to the CFPB.
2,276 mortgage applications and 1,387 loans originated in 2025; the denial rate was 20.6% of 1,827 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Francois County, MO.
- 2,276
- Applications
- 1,387
- Loans originated
- 20.6%
- Denial rate
- 376 denied of 1,827 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,276 | 1,387 |
| 2024 | 2,158 | 1,313 |
| 2023 | 1,973 | 1,226 |
| 2022 | 2,461 | 1,500 |
| 2021 | 3,546 | 2,399 |
| 2020 | 3,246 | 2,176 |
| 2019 | 2,468 | 1,615 |
| 2018 | 2,286 | 1,470 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First State Community Bank | 323 | 467 |
| Guild Mortgage Company | 278 | 367 |
| Rocket Mortgage | 71 | 115 |
| Ozarks Federal Savings and Loan | 66 | 101 |
| Mortgage Research Center | 41 | 78 |
| United Wholesale Mortgage | 41 | 54 |
| US Bank, N.A. | 39 | 87 |
| Das Acquisition Company, LLC | 35 | 41 |
| Gershman Investment Corp. | 32 | 43 |
| Unico Bank | 29 | 34 |
| Pennymac Loan Services LLC | 26 | 52 |
| New American Funding, LLC. | 21 | 46 |
| Freedom Mortgage Corporation | 20 | 46 |
| First Community Credit Union | 15 | 31 |
| Flat Branch Mortgage, Inc. | 14 | 20 |
| Navy Federal Credit Union | 13 | 22 |
| American Pacific Mortgage Corporation | 13 | 17 |
| Nationstar Mortgage | 13 | 23 |
| 21ST Mortgage | 13 | 39 |
| Newrez LLC | 11 | 37 |
| Bloomsdale Bank | 10 | 15 |
| loanDepot.com LLC | 10 | 28 |
| New Day Financial, LLC. | 9 | 28 |
| Fairway Independent Mort Corp | 8 | 8 |
| Commerce Bank | 8 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,965 | 20.1% of 1,582 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 260 | 19.0% of 205 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 23 | no rate: base under 50 |
| Not Hispanic or Latino | 1,932 | 19.7% of 1,552 decided |
| Joint | 22 | no rate: base under 50 |
| Ethnicity Not Available | 299 | 24.7% of 239 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 743 | 22.8% of 578 decided |
| Female | 415 | 23.7% of 338 decided |
| Joint | 934 | 17.8% of 764 decided |
| Sex Not Available | 184 | 19.1% of 147 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. 1598 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