Refinancing lenders in Jefferson County
1,126 refinancing mortgages were made in Jefferson County, Missouri, in 2025, by 171 lenders. The median rate their borrowers got was 6.250% on a median loan of $225,000. Of 1,400 decisions, 191 were denials — 13.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 113 | 6.125% | $275,000 | 5.0% |
| Rocket Mortgage, LLC | 66 | 5.990% | $235,000 | 18.2% |
| GUILD MORTGAGE COMPANY | 61 | 6.375% | $235,000 | 0.0% |
| TOGETHER CREDIT UNION | 57 | 7.500% | $105,000 | 9.5% |
| FREEDOM MORTGAGE CORPORATION | 49 | 6.125% | $255,000 | 4.2% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 5.990% | $245,000 | 13.6% |
| Commerce Bank | 40 | 8.750% | $65,000 | 24.5% |
| Bank of America, National Association | 37 | 6.240% | $105,000 | 11.9% |
| NEWREZ LLC | 34 | 6.250% | $300,000 | 25.0% |
| FAMILY FINANCE MORTGAGE, LLC | 30 | 6.250% | $280,000 | 0.0% |
| First State Community Bank | 28 | 7.325% | $150,000 | 6.7% |
| GERSHMAN INVESTMENT CORP. | 27 | 6.490% | $275,000 | 3.6% |
| DAS Acquisition Company, LLC | 25 | 6.624% | $315,000 | 3.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 24 | 5.990% | $250,000 | 2.6% |
| Regions Bank | 22 | 4.990% | $90,000 | 23.3% |
| Broker Solutions, Inc. | 21 | 6.490% | $255,000 | 12.5% |
| VANTAGE Credit Union | 20 | 7.500% | $115,000 | 13.0% |
| FLAT BRANCH MORTGAGE, INC. | 17 | 6.125% | $245,000 | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 14 | 6.625% | $300,000 | 0.0% |
| UMB Bank, National Association | 14 | 5.990% | $105,000 | 12.5% |
| Mortgage Research Center, LLC | 13 | 5.750% | $295,000 | 43.5% |
| NATIONSTAR MORTGAGE LLC | 13 | 5.990% | $235,000 | 11.8% |
| PNC Bank, National Association | 12 | 7.370% | $155,000 | 40.0% |
| JLB CORPORATION | 12 | 5.990% | $250,000 | 14.3% |
| PLANET HOME LENDING, LLC | 12 | 5.813% | $265,000 | 7.7% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.250% | $265,000 | 51.7% |
| ROYAL UNITED MORTGAGE LLC | 10 | 6.688% | $125,000 | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.058% | $305,000 | 9.1% |
| BLOOMSDALE BANK | 10 | Not published | $235,000 | 9.1% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Lindell Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Ozarks Federal Savings and Loan Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NEIGHBORS Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARSENAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900A6RJO3HDSWBD64 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Montgomery Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Star | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers and Merchants Bank of St. Clair | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Community 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% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Century Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| West Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Maries County Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Town & Country Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MRV Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 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% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sullivan Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Core Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Midwest Regional Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| American Bank of Commerce | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Simmons Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CENTRAL MISSOURI COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Bank of Missouri | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NexBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MICHIGAN MUTUAL, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 0 | Under 10 loans | Under 10 loans | Not published |
| Bell Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Verimore Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Associated Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| IOWA BANKERS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.