Mortgage lending in Vernon County, Missouri
Lenders in Vernon County, Missouri reported 604 mortgage applications for 2025, according to the CFPB.
604 mortgage applications and 333 loans originated in 2025; the denial rate was 29.2% of 497 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Vernon County, MO.
- 604
- Applications
- 333
- Loans originated
- 29.2%
- Denial rate
- 145 denied of 497 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 604 | 333 |
| 2024 | 489 | 307 |
| 2023 | 475 | 277 |
| 2022 | 562 | 329 |
| 2021 | 757 | 488 |
| 2020 | 618 | 389 |
| 2019 | 502 | 316 |
| 2018 | 508 | 301 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community National Bank & Trust | 30 | 32 |
| Flat Branch Mortgage, Inc. | 27 | 32 |
| Gershman Investment Corp. | 25 | 39 |
| Arvest Bank | 24 | 42 |
| Rocket Mortgage | 23 | 33 |
| Freedom Mortgage Corporation | 13 | 22 |
| Grand Missouri Bank | 12 | 13 |
| US Bank, N.A. | 12 | 34 |
| Great Southern Bank | 10 | 20 |
| United Wholesale Mortgage | 10 | 12 |
| Pennymac Loan Services LLC | 9 | 14 |
| Mortgage Research Center | 8 | 17 |
| Das Acquisition Company, LLC | 8 | 12 |
| Citizens Bank of Amsterdam | 7 | 9 |
| Gateway First Bank | 6 | 7 |
| Community First Bank | 5 | 5 |
| Click n' Close, Inc. | 5 | 6 |
| Mid-Missouri Bank | 5 | 8 |
| Omb Bank | 5 | 6 |
| FCS Financial FLCA | 5 | 6 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 38 |
| Newrez LLC | 4 | 6 |
| Primelending | 3 | 3 |
| Guild Mortgage Company | 3 | 4 |
| Kind Lending, LLC | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 470 | 26.7% of 386 decided |
| Joint | under 10 | |
| Race Not Available | 112 | 40.2% of 97 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 12 | no rate: base under 50 |
| Not Hispanic or Latino | 456 | 25.1% of 370 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 134 | 43.4% of 113 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 208 | 31.8% of 173 decided |
| Female | 136 | 34.0% of 106 decided |
| Joint | 193 | 26.1% of 161 decided |
| Sex Not Available | 67 | 21.1% of 57 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. 2026 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