By the Wirly Editorial Team | AI-assisted, human-reviewed
Mortgage Refinancing in Missouri
Real refinance data for Missouri from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
17,496
2024 HMDA data
Avg Loan Amount
$268,383
National: $428,119
Denial Rate
16.69%
▲ Below national avg
Median Home Value
$215,600
U.S. Census Bureau
Source: HMDA 2024 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Missouri
Originations by Year
Refinance originations in Missouri by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Missouri
Source: FHFA House Price Index
Top Lenders in Missouri
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | U.s. Bank National Association | 13,873 | - |
| 2 | U.s. Bank National Association | 11,329 | - |
| 3 | Rocket Mortgage LLC | 10,544 | - |
| 4 | Flat Branch Mortgage Inc. | 9,586 | - |
| 5 | U.s. Bank National Association | 9,545 | - |
| 6 | Rocket Mortgage LLC | 8,829 | - |
| 7 | Flat Branch Mortgage Inc. | 8,794 | - |
| 8 | Pennymac Loan Services LLC | 8,532 | - |
| 9 | The Central Trust Bank | 8,182 | - |
| 10 | Flat Branch Mortgage Inc. | 7,803 | - |
Ranked by total HMDA filings in the state (2024). Source: HMDA via CFPB.
Compare all lenders →How Missouri Compares
| Metric | Missouri | National Avg |
|---|---|---|
| Refinance Originations | 17,496 | 697,820 |
| Avg Loan Amount | $268,383 | $428,119 |
| Denial Rate | 16.69% | 24.2% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2024, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.51%
▲ 6.36% prev
15-Year Fixed
5.85%
▲ 5.71% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Missouri in 2024?
In 2024, there were 17,496 refinance originations in Missouri, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Missouri?
The average refinance loan amount in Missouri was $268,383 in 2024. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Missouri?
The refinance denial rate in Missouri was 16.69% in 2024. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Missouri?
The most active lenders in Missouri by HMDA filing volume include U.s. Bank National Association, U.s. Bank National Association, Rocket Mortgage LLC. See the full list above for details.
Is it a good time to refinance in Missouri?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Missouri, including tips, regulations, and state programs.
Read the Missouri Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.