Home purchase lenders in Jefferson County
3,312 home purchase mortgages were made in Jefferson County, Missouri, in 2025, by 248 lenders. The median rate their borrowers got was 6.625% on a median loan of $245,000. Of 3,952 decisions, 482 were denials — 12.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 426 | 6.625% | $235,000 | 2.3% |
| DAS Acquisition Company, LLC | 234 | 6.875% | $255,000 | 2.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 182 | 6.625% | $255,000 | 8.5% |
| Broker Solutions, Inc. | 175 | 6.625% | $235,000 | 5.9% |
| GERSHMAN INVESTMENT CORP. | 116 | 6.500% | $235,000 | 4.9% |
| FLAT BRANCH MORTGAGE, INC. | 112 | 6.625% | $255,000 | 0.0% |
| First State Community Bank | 102 | 6.625% | $215,000 | 6.4% |
| FAMILY FINANCE MORTGAGE, LLC | 80 | 6.750% | $265,000 | 0.0% |
| Mortgage Research Center, LLC | 77 | 6.375% | $275,000 | 6.1% |
| Rocket Mortgage, LLC | 74 | 6.625% | $225,000 | 12.8% |
| NEWREZ LLC | 70 | 6.625% | $275,000 | 12.0% |
| GUARANTEED RATE AFFINITY, LLC | 63 | 6.500% | $255,000 | 5.9% |
| Stifel Bank and Trust | 60 | 6.375% | $275,000 | 1.6% |
| U.S. Bank National Association | 55 | 6.625% | $255,000 | 13.6% |
| FIRST COMMUNITY | 52 | 6.750% | $240,000 | 28.8% |
| TOGETHER CREDIT UNION | 49 | 6.375% | $275,000 | 10.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 6.625% | $215,000 | 3.9% |
| Ozarks Federal Savings and Loan Association | 46 | 7.563% | $290,000 | 6.1% |
| 21st Mortgage Corporation | 40 | 11.245% | $60,000 | 69.5% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 6.624% | $285,000 | 11.1% |
| The Central Trust Bank | 38 | 6.625% | $265,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 36 | 6.625% | $275,000 | 0.0% |
| Midwest BankCentre | 33 | 6.375% | $205,000 | 0.0% |
| BLOOMSDALE BANK | 33 | Not published | $225,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 32 | 6.750% | $190,000 | 3.0% |
| PLAZA HOME MORTGAGE, INC. | 30 | 7.250% | $180,000 | 14.3% |
| Nations Lending Corporation | 27 | 6.625% | $215,000 | 0.0% |
| ARSENAL CREDIT UNION | 27 | 4.750% | $205,000 | 0.0% |
| 254900A6RJO3HDSWBD64 | 26 | 6.125% | $280,000 | 0.0% |
| Carrollton Bank | 26 | 6.875% | $295,000 | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 25 | 6.625% | $245,000 | 3.9% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 24 | 6.625% | $230,000 | 4.0% |
| TRIAD FINANCIAL SERVICES, INC. | 23 | 9.480% | $55,000 | 58.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.813% | $245,000 | 4.2% |
| Navy Federal Credit Union | 22 | 6.063% | $330,000 | 8.3% |
| DELMAR FINANCIAL COMPANY | 22 | 6.495% | $230,000 | 3.9% |
| Regions Bank | 22 | 6.688% | $275,000 | 4.2% |
| Bank of America, National Association | 21 | 6.125% | $235,000 | 12.5% |
| Paramount Bank | 20 | 6.750% | $280,000 | 13.0% |
| GENEVA FINANCIAL, LLC | 20 | 6.500% | $245,000 | 0.0% |
| Enterprise Bank & Trust | 19 | Not published | $185,000 | 17.4% |
| FCB Banks | 19 | 6.625% | $315,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 16 | 6.188% | $270,000 | 5.3% |
| VICTORY MORTGAGE, L.L.C. | 16 | 6.000% | $370,000 | 0.0% |
| Heritage Community Bank | 16 | Not published | $170,000 | 0.0% |
| VANTAGE Credit Union | 15 | 5.999% | $295,000 | 0.0% |
| Zippy Loans, LLC | 14 | 8.775% | $35,000 | 50.0% |
| Commerce Bank | 13 | 6.500% | $305,000 | 31.6% |
| Kiavi Funding, Inc. | 13 | 8.500% | $165,000 | 0.0% |
| First Bank | 13 | 6.625% | $225,000 | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 12 | 9.550% | $65,000 | 62.3% |
| BAYSHORE MORTGAGE FUNDING, LLC | 12 | 6.375% | $230,000 | 7.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.813% | $220,000 | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 12 | 6.625% | $275,000 | 7.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.625% | $195,000 | 20.0% |
| Wells Fargo Bank, National Association | 11 | 6.250% | $285,000 | 8.3% |
| ENVOY MORTGAGE, LTD | 10 | 6.625% | $235,000 | 9.1% |
| EVERETT FINANCIAL, INC. | 10 | 6.990% | $260,000 | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 10 | 6.500% | $290,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JLB CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| COMMUNITY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Montgomery Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Century Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of St. Clair | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Sullivan Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Star | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SCOTT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Bank of Old Monroe | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Lindell Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST HERITAGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| COMMUNITYAMERICA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Waterloo | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MRV Banks | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Bank of Missouri | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| West Community Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 71.4% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U S WIDE FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fortifi Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Town & Country Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGENDS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNICO Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Washington | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M SQUARED FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Belleville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 48 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.