Mortgage lenders in Franklin County
2,455 mortgages were made in Franklin County, Missouri, in 2025, by 240 lenders. The median rate their borrowers got was 6.625% on a median loan of $195,000. Of 3,108 decisions, 527 were denials — 17.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 168 | 6.500% | $205,000 | 2.1% |
| Sullivan Bank | 139 | 7.125% | $165,000 | 2.0% |
| United Bank of Union | 131 | 6.625% | $185,000 | 3.6% |
| First State Community Bank | 127 | 6.875% | $155,000 | 12.2% |
| Bank of Washington | 107 | Not published | $215,000 | 3.5% |
| FIRST COMMUNITY | 90 | 6.875% | $85,000 | 32.8% |
| Rocket Mortgage, LLC | 90 | 6.625% | $175,000 | 24.6% |
| FLAT BRANCH MORTGAGE, INC. | 89 | 6.500% | $215,000 | 2.2% |
| U.S. Bank National Association | 76 | 8.350% | $90,000 | 38.3% |
| DAS Acquisition Company, LLC | 72 | 6.625% | $235,000 | 2.4% |
| NEWREZ LLC | 69 | 6.625% | $225,000 | 22.5% |
| Citizens Bank | 54 | Not published | $250,000 | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 51 | 6.500% | $255,000 | 3.8% |
| First State Bank of St. Charles, Missouri | 50 | 6.438% | $225,000 | 0.0% |
| Mortgage Research Center, LLC | 47 | 6.250% | $245,000 | 20.0% |
| Bank of Franklin County | 41 | Not published | $235,000 | 13.5% |
| Broker Solutions, Inc. | 40 | 6.875% | $185,000 | 16.7% |
| Heritage Community Bank | 37 | Not published | $165,000 | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.490% | $155,000 | 20.0% |
| Farmers and Merchants Bank of St. Clair | 31 | Not published | $115,000 | 10.8% |
| The Central Trust Bank | 28 | 6.625% | $205,000 | 9.7% |
| Stifel Bank and Trust | 28 | 6.375% | $265,000 | 3.3% |
| GERSHMAN INVESTMENT CORP. | 26 | 6.563% | $210,000 | 7.1% |
| FREEDOM MORTGAGE CORPORATION | 23 | 6.250% | $215,000 | 14.3% |
| JLB CORPORATION | 23 | 6.250% | $185,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 20 | 6.375% | $230,000 | 13.0% |
| PNC Bank, National Association | 19 | 7.650% | $105,000 | 20.8% |
| ENDEAVOR CAPITAL, LLC. | 19 | 6.490% | $215,000 | 5.0% |
| Bank of America, National Association | 18 | 6.245% | $145,000 | 30.8% |
| Loandepot.Com, LLC | 18 | 7.370% | $130,000 | 35.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | 6.575% | $285,000 | 19.1% |
| GUARANTEED RATE AFFINITY, LLC | 17 | 6.575% | $215,000 | 5.6% |
| VANTAGE Credit Union | 16 | 7.250% | $90,000 | 35.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.875% | $140,000 | 42.9% |
| NATIONSTAR MORTGAGE LLC | 16 | 7.688% | $110,000 | 30.4% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 16 | Not published | $120,000 | 15.0% |
| GENEVA FINANCIAL, LLC | 15 | 6.625% | $235,000 | 0.0% |
| LEGENDS BANK | 14 | Not published | $195,000 | 0.0% |
| SPRING EQ, LLC | 13 | 9.450% | $75,000 | 27.3% |
| Regions Bank | 13 | 6.500% | $185,000 | 39.1% |
| Nations Lending Corporation | 13 | 6.625% | $255,000 | 0.0% |
| TOGETHER CREDIT UNION | 12 | 7.438% | $130,000 | 29.4% |
| AmeriSave Mortgage Corporation | 11 | 9.000% | $55,000 | 65.7% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.500% | $195,000 | 35.3% |
| FIGURE LENDING LLC | 10 | 8.650% | $65,000 | 31.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.188% | $235,000 | 9.1% |
| USAA Federal Savings Bank | 10 | 6.188% | $200,000 | 23.1% |
| DELMAR FINANCIAL COMPANY | 10 | 6.688% | $240,000 | 0.0% |
| Town & Country Bank | 10 | Not published | $165,000 | 0.0% |
| Commerce Bank | 9 | Under 10 loans | Under 10 loans | 52.6% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 43.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 17.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Bank of Old Monroe | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 65.2% |
| First Mid Bank & Trust, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Peoples Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Montgomery Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| West Community Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Carrollton Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 46.2% |
| 254900A6RJO3HDSWBD64 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of Springfield | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 57.1% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 25.0% |
| ARSENAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Great Southern Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| The Maries County Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Arvest Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCOTT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 84.6% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 75.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 57.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lindell Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRU FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INFUZE Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Bank Star | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PEOPLES BANK & TRUST CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLOOMSDALE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank And Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hawthorn Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Missouri Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jonesburg State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 40 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Franklin County
41 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank of Washington | 6 | $832.2 million |
| SULLIVAN BANK | 5 | $710.5 million |
| Bank of Franklin County | 4 | $330.9 million |
| First State Community Bank | 4 | $323.3 million |
| Citizens Bank | 4 | $305.4 million |
| United Bank of Union | 3 | $491.1 million |
| U.S. Bank National Association | 3 | $296.1 million |
| Heritage Community Bank | 2 | $182.4 million |
| Farmers and Merchants Bank of St. Clair | 2 | $174.2 million |
| Bank Star | 1 | $80.1 million |
| Peoples Bank | 1 | $42.7 million |
| PSB Bank | 1 | $42.1 million |
| PNC Bank, National Association | 1 | $34.3 million |
| Midland States Bank | 1 | $33.5 million |
| FCNB Bank | 1 | $26.9 million |
| Legends Bank | 1 | $20.2 million |
| JPMorgan Chase Bank, National Association | 1 | $4.9 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.