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refinance lenders · HMDA 2023–2025

Refinance lenders in Boone County, Missouri

Fat Boy Data analyzed mortgage refinance activity in Boone County, Missouri, home to Columbia, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,304 applications were decided by 131 lenders between 2023 and 2025.

Boone County at a glance

131Active lenders17 with 20+ decisions
86.2%Market approval rate1,124 of 1,304 decided
$245KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,041 loans funded

How Boone County compares

Approval rate compared
Boone County86.2%Missouri82.7%All 616 counties76.5%
Typical loan compared
Boone County$245KMissouri$245KAll 616 counties$295K

What the data shows

Simmons Bank made the most mortgage refinances in Boone County, MO, 129 of them.

Flat Branch Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 71.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%One lender: 71% approved of 24One lender: 75% approved of 44One lender: 77% approved of 53One lender: 79% approved of 29One lender: 84% approved of 51Simmons Bank: 86% approved of 163The Central Trust Bank: 87% approved of 71Commerce Bank: 89% approved of 71United Wholesale Mortgage, LLC: 91% approved of 66One lender: 93% approved of 27One lender: 93% approved of 28One lender: 94% approved of 33One lender: 96% approved of 24One lender: 97% approved of 37One lender: 98% approved of 40One lender: 98% approved of 42Flat Branch Mortgage, Inc.: 100% approved of 71

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Boone County

LenderApprovalApprovedTaken upTypical loanLoans made
1Simmons Bank86%140 / 16392%$65K129
2The Central Trust Bank87%62 / 7198%$205K61
3Flat Branch Mortgage, Inc.100%71 / 71100%$255K71
4Commerce Bank89%63 / 71100%$75K63
5United Wholesale Mortgage, LLCBroker only91%60 / 6698%$345K59

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

Fat Boy found 126 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Boone County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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