Refinancing lenders in Lincoln County
338 refinancing mortgages were made in Lincoln County, Missouri, in 2025, by 105 lenders. The median rate their borrowers got was 6.250% on a median loan of $245,000. Of 416 decisions, 56 were denials — 13.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Bank of Old Monroe | 34 | Not published | $165,000 | 5.6% |
| GUILD MORTGAGE COMPANY | 21 | 6.375% | $265,000 | 0.0% |
| HNB National Bank | 20 | 7.000% | $255,000 | 4.8% |
| FREEDOM MORTGAGE CORPORATION | 19 | 6.000% | $275,000 | 17.2% |
| Rocket Mortgage, LLC | 17 | 5.990% | $225,000 | 22.7% |
| PEOPLES BANK & TRUST CO. | 17 | Not published | $115,000 | 8.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 6.125% | $275,000 | 21.1% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.063% | $260,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 10 | 6.563% | $245,000 | 0.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Missouri Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| United Credit Union | 7 | Under 10 loans | Under 10 loans | 50.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Community State Bank of Missouri | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| West Community Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ENDEAVOR CAPITAL, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRU FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lindell Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SECURITY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Franklin County | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GERSHMAN INVESTMENT CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Great Southern Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITYAMERICA CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank, Ames, Iowa | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| Jonesburg State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| UMB Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 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.