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refinance lenders · HMDA 2023–2025

Refinance lenders in Franklin County, Missouri

Fat Boy Data analyzed mortgage refinance activity in Franklin County, Missouri to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,032 applications were decided by 126 lenders between 2023 and 2025.

Franklin County at a glance

126Active lenders15 with 20+ decisions
84.2%Market approval rate869 of 1,032 decided
$175KTypical loanmedian lender, $10K brackets
92%Borrower take-up801 loans funded

How Franklin County compares

Approval rate compared
Franklin County84.2%Missouri82.7%All 616 counties76.5%
Typical loan compared
Franklin County$175KMissouri$245KAll 616 counties$295K

What the data shows

United Bank of Union made the most mortgage refinances in Franklin County, MO, 89 of them.

Guild Mortgage Company LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

The typical mortgage refinance here is $175K, 29% smaller than the Missouri typical of $245K.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%Newrez LLC: 68% approved of 47Farmers and Merchants Bank of St. Clair: 72% approved of 25Rocket Mortgage, LLC: 76% approved of 41Mortgage Research Center, LLC: 77% approved of 30First State Community Bank: 86% approved of 58Bank of Franklin County: 88% approved of 24Bank of Washington: 89% approved of 38Village Capital & Investment LLC: 90% approved of 20United Wholesale Mortgage, LLC: 94% approved of 48Sullivan Bank: 96% approved of 55United Bank of Union: 97% approved of 92Freedom Mortgage Corporation: 100% approved of 31Guild Mortgage Company LLC: 100% approved of 24Flat Branch Mortgage, Inc.: 100% approved of 22Heritage Community Bank: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Franklin County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Bank of Union97%89 / 92100%$145K89
2First State Community Bank86%50 / 5898%$75K49
3Sullivan Bank96%53 / 5592%$165K49
4United Wholesale Mortgage, LLCBroker only94%45 / 4891%$295K41
5Newrez LLC68%32 / 47100%$265K32

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 121 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Franklin County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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