Mortgage lenders in Callaway County
1,069 mortgages were made in Callaway County, Missouri, in 2025, by 157 lenders. The median rate their borrowers got was 6.625% on a median loan of $185,000. Of 1,389 decisions, 255 were denials — 18.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Central Trust Bank | 185 | 6.750% | $115,000 | 11.4% |
| FLAT BRANCH MORTGAGE, INC. | 167 | 6.500% | $235,000 | 1.8% |
| River Region Credit Union | 76 | Not published | $115,000 | 9.7% |
| The Callaway Bank | 51 | Not published | $195,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 51 | 6.374% | $255,000 | 10.3% |
| Rocket Mortgage, LLC | 45 | 6.625% | $185,000 | 23.7% |
| UNITED SECURITY BANK | 42 | Not published | $130,000 | 0.0% |
| Mortgage Research Center, LLC | 30 | 6.250% | $260,000 | 26.2% |
| Mid America Bank | 29 | Not published | $205,000 | 12.1% |
| Exchange Bank of Missouri | 17 | Not published | $155,000 | 0.0% |
| DAS Acquisition Company, LLC | 15 | 6.750% | $235,000 | 5.3% |
| GENEVA FINANCIAL, LLC | 14 | 6.438% | $205,000 | 6.7% |
| U.S. Bank National Association | 13 | 6.750% | $95,000 | 31.6% |
| Navy Federal Credit Union | 12 | 6.313% | $105,000 | 20.0% |
| Hawthorn Bank | 12 | 7.375% | $75,000 | 7.1% |
| United Credit Union | 11 | 6.625% | $85,000 | 47.8% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.499% | $155,000 | 15.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.250% | $255,000 | 0.0% |
| Commerce Bank | 10 | 6.563% | $125,000 | 9.1% |
| BTC BANK | 10 | Not published | $145,000 | 16.7% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Midwest Mortgage Associates Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 53.8% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 62.5% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| GERSHMAN INVESTMENT CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Wood & Huston Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 81.5% |
| First State Community Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 61.1% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Simmons Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Missouri Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Point Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 44.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 55.6% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| West Community Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CONSERVATION EMPLOYEES CREDIT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGENDS BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COMMUNITY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Maries County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Old Monroe | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 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% |
| MISSOURI Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jonesburg State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Verimore Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oakstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 87.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ardent Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fidelity Bank, National Association | 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 |
| UNITED FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Brighton Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| THRIVENT Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| TOGETHER CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Members Mortgage Services, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, 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.
Bank branches in Callaway County
12 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Central Trust Bank | 4 | $277.5 million |
| The Callaway Bank | 3 | $278.3 million |
| United Security Bank | 3 | $81.2 million |
| Exchange Bank of Missouri | 1 | $48.1 million |
| Mid America Bank | 1 | $44.8 million |
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When the next year’s lending figures are out for Callaway County, or a lender arrives or leaves.
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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.