Mortgage Approval and Denial Rates in Missouri (2025 HMDA)

Mortgage denial rates in Missouri: lenders acted on 232,264 mortgage applications in Missouri in 2025 and denied 14.9% of them, down from 16.1% in 2024. The national denial rate was 17.7%.

Applications acted on

232,264

Loans originated

145,882

Denial rate

14.9%

Median loan

$175,000

Missouri against the national picture

Missouri denial rate14.9%
National denial rate17.7%
Missouri, 202416.1%

Most-reported denial reason in Missouri: Credit history.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Pemiscot County28228.7%$105,000
St. Clair County23428.2%$125,000
Laclede County1,60927.6%$135,000
Ozark County21326.3%$145,000
Shannon County17225.0%$175,000
Reynolds County17224.4%$115,000
Vernon County60424.0%$125,000
Dallas County68623.8%$145,000
McDonald County80923.7%$145,000
Dade County27823.0%$115,000
Texas County71222.5%$150,000
Macon County32922.2%$135,000
Mississippi County23222.0%$100,000
Monroe County21621.8%$135,000
Dent County37321.7%$145,000
Harrison County18021.7%$95,000
Dunklin County46721.6%$105,000
Hickory County43019.8%$125,000
Bollinger County31319.8%$145,000
Oregon County20319.7%$125,000
Wayne County29219.5%$115,000
New Madrid County38719.4%$105,000
Washington County69519.3%$155,000
Montgomery County33219.3%$165,000
Morgan County95619.1%$185,000
Crawford County72519.0%$155,000
Wright County56118.9%$145,000
Cedar County48718.9%$135,000
Carter County14318.9%$175,000
Iron County30918.8%$105,000
Phelps County1,35118.7%$175,000
Stoddard County72118.7%$125,000
Barry County1,26518.5%$155,000
Audrain County84417.9%$125,000
Barton County29017.9%$125,000
Madison County36317.6%$125,000
Miller County1,00217.5%$165,000
Henry County96017.1%$135,000
Polk County1,29816.9%$165,000
Lewis County16016.9%$125,000
Gentry County19716.8%$115,000
Atchison County11916.8%$95,000
Newton County2,23816.6%$165,000
Lawrence County1,57616.6%$155,000
St. Francois County2,27616.5%$155,000
Webster County1,68216.3%$165,000
Scott County1,14716.3%$125,000
Pike County48416.3%$135,000
Ralls County28816.3%$155,000
Ripley County36716.1%$125,000
Taney County2,27216.0%$165,000
Howard County33116.0%$135,000
Jefferson County10,46715.9%$185,000
St. Louis city9,16115.8%$175,000
Ray County92615.8%$170,000
Camden County3,30215.7%$225,000
Gasconade County47015.7%$145,000
Maries County30215.6%$165,000
Pettis County1,62815.5%$155,000
Grundy County23815.5%$105,000
Howell County1,01015.4%$155,000
Lincoln County2,90915.2%$205,000
Randolph County90815.2%$145,000
Livingston County36915.2%$125,000
Buchanan County2,95115.1%$125,000
Stone County1,90515.1%$195,000
Benton County93815.1%$135,000
Saline County63715.1%$125,000
DeKalb County28515.1%$155,000
Pulaski County2,21315.0%$205,000
Perry County65515.0%$135,000
St. Louis County36,92614.9%$165,000
Adair County62314.9%$125,000
Callaway County1,72414.8%$175,000
Lafayette County1,32414.7%$175,000
Bates County61414.7%$165,000
Carroll County19714.7%$135,000
Ste. Genevieve County64614.6%$155,000
Jackson County27,87514.4%$185,000
Chariton County14614.4%$115,000
Butler County1,22214.2%$135,000
Andrew County61214.2%$185,000
Caldwell County30514.1%$165,000
Daviess County27014.1%$145,000
Clay County10,93614.0%$205,000
Cape Girardeau County2,72414.0%$165,000
Franklin County3,79213.9%$185,000
Moniteau County50813.8%$145,000
Cass County5,08813.7%$225,000
Clinton County97013.5%$205,000
Cooper County55613.3%$175,000
St. Charles County17,95213.2%$235,000
Jasper County4,69813.2%$145,000
Douglas County27513.1%$145,000
Platte County4,17413.0%$255,000
Nodaway County47113.0%$155,000
Christian County4,31712.7%$215,000
Linn County34612.7%$105,000
Greene County11,78212.6%$175,000
Warren County1,92412.6%$235,000
Johnson County2,39912.0%$225,000
Marion County70612.0%$145,000
Boone County6,18411.0%$225,000
Cole County2,91110.4%$175,000
Osage County4479.6%$165,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.