Mortgage lenders in Cape Girardeau County
1,770 mortgages were made in Cape Girardeau County, Missouri, in 2025, by 190 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 2,238 decisions, 382 were denials — 17.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First State Community Bank | 170 | 6.863% | $145,000 | 14.4% |
| DAS Acquisition Company, LLC | 123 | 6.750% | $205,000 | 0.7% |
| The Bank of Missouri | 119 | 6.750% | $145,000 | 24.1% |
| Montgomery Bank | 96 | 7.750% | $75,000 | 14.7% |
| Southern Bank | 90 | 7.500% | $150,000 | 5.3% |
| Rocket Mortgage, LLC | 81 | 6.500% | $145,000 | 16.3% |
| Regions Bank | 74 | 6.188% | $65,000 | 29.9% |
| GUILD MORTGAGE COMPANY | 74 | 6.625% | $180,000 | 0.0% |
| U.S. Bank National Association | 72 | 7.063% | $145,000 | 28.7% |
| Alliance Bank | 72 | Not published | $190,000 | 1.4% |
| First Missouri State Bank of Cape County | 59 | Not published | $235,000 | 0.0% |
| First Midwest Bank of Dexter | 51 | Not published | $175,000 | 1.9% |
| FLAT BRANCH MORTGAGE, INC. | 44 | 6.375% | $245,000 | 4.4% |
| Wood & Huston Bank | 41 | Not published | $185,000 | 2.3% |
| Mortgage Research Center, LLC | 39 | 6.500% | $265,000 | 15.2% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.500% | $155,000 | 8.6% |
| Synergy One Lending, Inc. | 26 | 6.563% | $195,000 | 10.3% |
| DELMAR FINANCIAL COMPANY | 25 | 6.500% | $165,000 | 0.0% |
| MRV Banks | 25 | Not published | $225,000 | 0.0% |
| Commerce Bank | 24 | 6.375% | $115,000 | 37.5% |
| Banterra Bank | 24 | 6.375% | $200,000 | 10.8% |
| GERSHMAN INVESTMENT CORP. | 23 | 6.000% | $205,000 | 17.9% |
| NATIONS DIRECT MORTGAGE, LLC | 22 | 6.740% | $165,000 | 4.4% |
| Truist Bank | 19 | 6.490% | $225,000 | 9.5% |
| NATIONSTAR MORTGAGE LLC | 16 | 7.933% | $75,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.250% | $205,000 | 5.3% |
| NEWREZ LLC | 10 | 6.688% | $250,000 | 37.5% |
| Navy Federal Credit Union | 10 | 6.920% | $170,000 | 47.4% |
| Flanagan State Bank | 10 | 6.625% | $225,000 | 28.6% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 74.3% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 68.4% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 35.7% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Sterling Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 64.3% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FOCUS BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCOTT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HealthCare Associates Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRU FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ozarks Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U S WIDE FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANK OF MARSHALL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLOOMSDALE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNICO Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 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% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Consolidated Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSOURI Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Ava | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oakstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farm Credit Mid-America | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CROSSCOUNTRY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRSTTRUST HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSERVATION EMPLOYEES CREDIT | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Tyndall Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NEIGHBORS Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COASTAL Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COCA-COLA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845007CY0EC0F59W414 | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FirstBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens 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 Cape Girardeau County
36 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Bank of Missouri | 5 | $489.6 million |
| Montgomery Bank | 3 | $348.9 million |
| First State Community Bank | 3 | $260.1 million |
| U.S. Bank National Association | 3 | $251.5 million |
| Southern Bank | 3 | $236.0 million |
| Fm Bank And Trust | 3 | $190.6 million |
| Wood & Huston Bank | 2 | $395.5 million |
| Commerce Bank | 2 | $219.3 million |
| Alliance Bank | 2 | $191.7 million |
| Regions Bank | 2 | $173.1 million |
| First Midwest Bank of Dexter | 2 | $139.2 million |
| MRV Banks | 2 | $136.0 million |
| Banterra Bank | 1 | $245.6 million |
| Sterling Bank | 1 | $124.3 million |
| Peoples Bank Co. | 1 | $75.7 million |
| 1NB Bank | 1 | $831,000 |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- First Missouri State Bank of Cape County, 2 S Mount Auburn Rd, Cape Girardeau
- First Missouri State Bank of Cape County, 2480 E Main St, Ste D, Jackson
- First Missouri State Bank of Cape County, 800 N Kingshighway St, Cape Girardeau
Get told when this changes
When the next year’s lending figures are out for Cape Girardeau 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.