refinance lenders · HMDA 2023–2025

Refinance lenders in Jefferson County, Missouri

Fat Boy Data analyzed mortgage refinance activity in Jefferson County, Missouri, home to Arnold, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,787 applications were decided by 168 lenders between 2023 and 2025.

Jefferson County at a glance

168Active lenders32 with 20+ decisions
83.6%Market approval rate2,331 of 2,787 decided
$225KTypical loanmedian lender, $10K brackets
94%Borrower take-up2,185 loans funded

How Jefferson County compares

Approval rate compared
Jefferson County83.6%Missouri82.7%All 616 counties76.5%
Typical loan compared
Jefferson County$225KMissouri$245KAll 616 counties$295K

What the data shows

Commerce Bank made the most mortgage refinances in Jefferson County, MO, 110 of them.

Guild Mortgage Company LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 124.

Approval rate of all 32 lenders with 20+ decisions here
0%25%50%75%100%One lender: 40% approved of 40One lender: 55% approved of 49One lender: 65% approved of 48One lender: 65% approved of 49One lender: 71% approved of 65Commerce Bank: 73% approved of 152Bank of America, National Association: 73% approved of 139One lender: 77% approved of 88One lender: 77% approved of 66One lender: 79% approved of 29One lender: 80% approved of 25One lender: 80% approved of 20One lender: 80% approved of 41One lender: 82% approved of 50Together Credit Union: 83% approved of 132One lender: 84% approved of 25Rocket Mortgage, LLC: 85% approved of 137One lender: 85% approved of 27One lender: 86% approved of 22One lender: 88% approved of 91One lender: 91% approved of 22One lender: 92% approved of 75United Wholesale Mortgage, LLC: 93% approved of 185One lender: 94% approved of 49One lender: 94% approved of 68One lender: 96% approved of 47One lender: 96% approved of 27One lender: 97% approved of 97One lender: 97% approved of 34One lender: 98% approved of 55One lender: 100% approved of 124One lender: 100% approved of 58

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 Jefferson County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only93%172 / 18599%$285K170
2Commerce Bank73%111 / 15299%$65K110
3Bank of America, National Association73%102 / 139100%$105K102
4Rocket Mortgage, LLC85%116 / 13793%$225K108
5Together Credit Union83%109 / 132100%$95K109

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 163 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Jefferson 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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