Mortgage lenders in Lincoln County
1,827 mortgages were made in Lincoln County, Missouri, in 2025, by 211 lenders. The median rate their borrowers got was 6.625% on a median loan of $225,000. Of 2,375 decisions, 442 were denials — 18.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 128 | 6.688% | $265,000 | 2.2% |
| The Bank of Old Monroe | 121 | Not published | $225,000 | 5.4% |
| Rocket Mortgage, LLC | 105 | 6.875% | $185,000 | 13.6% |
| FLAT BRANCH MORTGAGE, INC. | 83 | 6.500% | $265,000 | 1.2% |
| Broker Solutions, Inc. | 69 | 6.625% | $255,000 | 6.7% |
| PEOPLES BANK & TRUST CO. | 60 | Not published | $160,000 | 12.9% |
| FIRST COMMUNITY | 56 | 7.808% | $75,000 | 35.6% |
| DAS Acquisition Company, LLC | 56 | 6.625% | $250,000 | 4.3% |
| First State Bank of St. Charles, Missouri | 56 | 6.563% | $260,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.625% | $270,000 | 10.2% |
| U.S. Bank National Association | 49 | 7.900% | $105,000 | 34.7% |
| HNB National Bank | 39 | 7.000% | $245,000 | 8.9% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.188% | $265,000 | 19.2% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.250% | $245,000 | 16.2% |
| VANTAGE Credit Union | 30 | 7.500% | $75,000 | 23.8% |
| Nations Lending Corporation | 29 | 6.750% | $265,000 | 0.0% |
| Mortgage Research Center, LLC | 28 | 6.250% | $310,000 | 30.0% |
| Community State Bank of Missouri | 28 | Not published | $135,000 | 6.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | 6.575% | $265,000 | 3.2% |
| NATIONSTAR MORTGAGE LLC | 24 | 8.688% | $90,000 | 16.7% |
| GENEVA FINANCIAL, LLC | 23 | 6.750% | $265,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 23 | 6.625% | $305,000 | 4.2% |
| Stifel Bank and Trust | 23 | 6.250% | $285,000 | 4.2% |
| NEWREZ LLC | 21 | 6.750% | $155,000 | 16.0% |
| GUARANTEED RATE AFFINITY, LLC | 21 | 6.125% | $255,000 | 4.6% |
| West Community Credit Union | 19 | 6.990% | $85,000 | 9.1% |
| JLB CORPORATION | 19 | 5.990% | $215,000 | 0.0% |
| GERSHMAN INVESTMENT CORP. | 19 | 6.375% | $255,000 | 0.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 19 | Not published | $235,000 | 0.0% |
| Commerce Bank | 17 | 6.250% | $55,000 | 21.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 16 | 10.870% | $85,000 | 63.0% |
| Regions Bank | 15 | 8.500% | $95,000 | 26.1% |
| The Missouri Bank | 14 | Not published | $205,000 | 0.0% |
| Navy Federal Credit Union | 12 | 7.875% | $265,000 | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 12 | 6.125% | $220,000 | 0.0% |
| DELMAR FINANCIAL COMPANY | 12 | 6.750% | $265,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 9.600% | $85,000 | 43.5% |
| Fairway Independent Mortgage Corporation | 11 | 6.500% | $255,000 | 15.4% |
| Bank of America, National Association | 10 | 6.365% | $120,000 | 44.4% |
| First Mid Bank & Trust, National Association | 10 | 7.438% | $125,000 | 41.2% |
| PLANET HOME LENDING, LLC | 10 | 6.313% | $225,000 | 14.3% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 68.8% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| United Credit Union | 9 | Under 10 loans | Under 10 loans | 43.8% |
| TAMMAC HOLDINGS CORPORATION | 8 | Under 10 loans | Under 10 loans | 55.9% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 60.0% |
| The Central Trust Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| ALLTRU FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ENDEAVOR CAPITAL, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Bell Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 56.3% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 30.8% |
| First State Community Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| TOGETHER CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| THOMPSON KANE & COMPANY, INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 72.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Simmons Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 40.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 25.0% |
| SCOTT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| COMMUNITYAMERICA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Carrollton Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Johns Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 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% |
| LEGENDS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, 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% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Washington | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank of Newton, Illinois | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Franklin County | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dieterich Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIS Financial Services, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSOURI ELECTRIC COOPERATIVES EMPL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Great Southern Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERANT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Jonesburg State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| CITIZENS EQUITY FIRST | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Raymond James Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 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. Another 11 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Lincoln County
16 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Peoples Bank & Trust Co. | 6 | $593.2 million |
| The Bank of Old Monroe | 3 | $699.5 million |
| First Mid Bank & Trust, National Association | 2 | $58.7 million |
| U.S. Bank National Association | 1 | $117.5 million |
| Silex Banking Company | 1 | $84.4 million |
| Community State Bank of Missouri | 1 | $76.4 million |
| PSB Bank | 1 | $39.9 million |
| HNB National Bank | 1 | $35.0 million |
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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.