Refinancing lenders in Jackson County
2,770 refinancing mortgages were made in Jackson County, Missouri, in 2025, by 285 lenders. The median rate their borrowers got was 6.375% on a median loan of $205,000. Of 3,555 decisions, 610 were denials — 17.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 270 | 6.240% | $105,000 | 24.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 166 | 6.124% | $275,000 | 15.0% |
| FREEDOM MORTGAGE CORPORATION | 160 | 6.188% | $255,000 | 5.9% |
| Rocket Mortgage, LLC | 156 | 5.990% | $225,000 | 16.7% |
| Kiavi Funding, Inc. | 108 | 7.375% | $135,000 | 18.5% |
| PENNYMAC LOAN SERVICES, LLC | 108 | 5.990% | $245,000 | 8.7% |
| Commerce Bank | 96 | 8.750% | $65,000 | 17.8% |
| Loan Funder LLC | 89 | 7.420% | $155,000 | 2.2% |
| UMB Bank, National Association | 60 | 5.990% | $105,000 | 21.5% |
| Fairway Independent Mortgage Corporation | 56 | 6.250% | $255,000 | 15.2% |
| Bank of Odessa | 50 | Not published | $170,000 | 1.9% |
| First National Bank of Omaha | 47 | 6.000% | $95,000 | 23.0% |
| Prosperity Home Mortgage, LLC | 39 | 5.990% | $275,000 | 13.3% |
| FLAT BRANCH MORTGAGE, INC. | 39 | 6.125% | $295,000 | 0.0% |
| Arvest Bank | 37 | 7.250% | $205,000 | 24.5% |
| Equity Bank | 37 | 7.750% | $115,000 | 2.6% |
| NEWREZ LLC | 35 | 5.750% | $325,000 | 31.5% |
| Bank of America, National Association | 35 | 6.240% | $115,000 | 23.9% |
| NBKC BANK | 33 | 5.875% | $345,000 | 8.3% |
| BPL MORTGAGE TRUST, LLC | 32 | 7.500% | $135,000 | 2.8% |
| Mortgage Research Center, LLC | 28 | 5.750% | $270,000 | 43.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 28 | 5.750% | $265,000 | 16.0% |
| PLANET HOME LENDING, LLC | 28 | 5.933% | $260,000 | 15.2% |
| COMMUNITY MORTGAGE, LLC | 28 | 7.183% | $235,000 | 3.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.125% | $225,000 | 9.7% |
| LAKEVIEW LOAN SERVICING, LLC | 26 | 6.250% | $300,000 | 38.3% |
| First State Bank of St. Charles, Missouri | 26 | 6.063% | $295,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 25 | 6.490% | $255,000 | 6.9% |
| ROYAL UNITED MORTGAGE LLC | 25 | 6.500% | $125,000 | 13.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 24 | 6.250% | $305,000 | 13.8% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.125% | $255,000 | 18.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 21 | 6.624% | $305,000 | 0.0% |
| Cornerstone Bank | 21 | Not published | $145,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 20 | 7.125% | $150,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 19 | 6.875% | $155,000 | 34.5% |
| ENDEAVOR CAPITAL, LLC. | 19 | 6.625% | $195,000 | 0.0% |
| U.S. Bank National Association | 17 | 6.490% | $265,000 | 25.0% |
| 254900CTT87ZKAUTIJ37 | 17 | 8.250% | $125,000 | 5.6% |
| Emporium TPO LLC | 17 | 7.125% | $165,000 | 3.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.625% | $250,000 | 11.1% |
| First Federal Bank of Kansas City | 16 | 6.625% | $110,000 | 18.2% |
| M SQUARED FINANCIAL LLC | 16 | 6.250% | $265,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 15 | 7.625% | $145,000 | 31.8% |
| BOKF, National Association | 13 | 6.875% | $85,000 | 12.5% |
| COREVEST AMERICAN FINANCE LENDER LLC | 13 | 6.500% | $225,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 13 | 6.125% | $265,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 7.375% | $190,000 | 6.3% |
| Loandepot.Com, LLC | 12 | 5.875% | $260,000 | 33.3% |
| JPMorgan Chase Bank, National Association | 12 | 6.375% | $225,000 | 7.7% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.990% | $125,000 | 14.3% |
| Landmark National Bank | 12 | 6.000% | $270,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 5.875% | $215,000 | 25.0% |
| OCMBC, INC. | 11 | 7.375% | $165,000 | 29.4% |
| Oakstar Bank | 11 | 5.500% | $265,000 | 0.0% |
| Great American Bank | 11 | Not published | $195,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 10 | 6.490% | $200,000 | 0.0% |
| Intrust Bank, National Association | 10 | 6.550% | $175,000 | 0.0% |
| NBH Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Capitol Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| DELMAR FINANCIAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| F & C Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| First Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Farmers Bank & Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED CONSUMERS CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Bell Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Hawthorn Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Mazuma Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 38.5% |
| The Central Trust Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fidelity Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| State Bank of Missouri | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 76.5% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 55.6% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Stride Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-America Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Nodaway Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Weston | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wood & Huston Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Prairie Village | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Mortgage Associates Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAINSTREET FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Callaway Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Maries County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of St. Clair | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Flint Hills | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Missouri Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 85 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.