Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Jefferson County, Missouri
Every institution that decided a 1–4 unit mortgage application in Jefferson County, home to Arnold, between 2023 and 2025: 20,428 applications, 15,861 loans actually funded, across 8 kinds of borrowing.
Jefferson County at a glance
20,428Applications decided
2023–2025
15,861Loans funded
78% of decisions
49Census tracts
14 ZIP codes
228,227People
ACS 2023
What the data shows
Lenders approved 87.5% of home-purchase applications in Jefferson County, 4.0 points below the Missouri rate.
The typical purchase mortgage here is $235K.
Home improvement loans is the hardest money to get here: lenders approved 64% of 2,638 applications.
Lending by loan type in Jefferson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.5% | 10,889 | $235K | 95% | 274 |
| Home improvement loans | 64.1% | 2,638 | $55K | 94% | 91 |
| Cash-out refinance | 72.4% | 3,155 | $155K | 96% | 160 |
| Refinance | 83.6% | 2,787 | $225K | 94% | 168 |
| Investment property purchase | 94.0% | 639 | $145K | 94% | 123 |
| Investment cash-out refinance | 86.1% | 108 | $145K | 95% | 50 |
| Investment refinance | 83.3% | 132 | $145K | 96% | 51 |
| Investment home improvement | 80.0% | 80 | $95K | 94% | 32 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.