Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Missouri

Reynolds County, MO: mortgages, home buyers & loan limits

What buyers in Reynolds County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.

HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026

In 2025, lenders reported 33 home-purchase mortgages for owner-occupied, single-family homes in Reynolds County, MO. and reported a household income of $76,000.

Lenders denied 5.7% of completed home-purchase applications.

Conforming limit 2026
$832,750
1-unit home · FHFA
FHA limit 2026
$541,287
1-unit home · HUD
Buyer income
$76,000
U.S. $116,000
30-yr fixed rate
—
Too few loans
Loan costs
—
Too few loans
Denial rate
5.7%
Purchase · U.S. 8.5%

Key facts about Reynolds County mortgages

  • Home buyers' median income ($76,000) is 18% lower than the Missouri median ($93,000).
  • VA loans were unusually common: 18.2% of purchase mortgages.
  • USDA rural loans financed 6.1% of purchases.
  • 16.3% of first-lien purchase mortgages were for investment properties.
  • Second homes accounted for 10.2% of first-lien purchase mortgages — a vacation-home market.
  • 10.2% of single-family purchase mortgages financed manufactured homes.
  • The most common age bracket among borrowers was 25–34 (33.3% of purchase loans).
  • 60.6% of purchase mortgages had a single borrower with no co-applicant.

2026 loan limits in Reynolds County

PropertyConforming 2026vs 2025FHA 2026vs 2025
1 unit $832,750 +$26,250 $541,287 +$17,062
2 units $1,066,250 +$33,600 $693,050 +$21,850
3 units $1,288,800 +$40,650 $837,700 +$26,425
4 units $1,601,750 +$50,500 $1,041,125 +$32,825

2026 limits for Reynolds County, MO: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.

All Missouri counties: Missouri 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.

Who bought homes in Reynolds County

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans
33
of 35 applications
Buyer income
$76,000
Middle half $49,000–$117,000
Home value
—
Loan amount
$155,000
Middle half $105,000–$235,000
Down payment
—
Single borrower
60.6%
No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 60.6% 20
FHA 15.2% 5
VA 18.2% 6
USDA 6.1% 2

What the homes were for

Primary residence 73.5% 36
Second home 10.2% 5
Investment property 16.3% 8

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 12.1%
25–34 33.3%
35–44 21.2%
45–54 15.2%
55–64 9.1%
65–74 9.1%
75 and over 0.0%

What borrowing cost in Reynolds County

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

MeasureReynolds CountyMissouriU.S.
30-year fixed rate · conventional—6.625%6.625%
30-year fixed rate · FHA—6.500%6.250%
30-year fixed rate · VA—6.250%6.125%
15-year fixed rate · conventional—5.990%5.875%
Rate spread vs. APOR · conventional—+0.24 pts+0.13 pts
Total loan costs · conventional—$3,710$5,570
Total loan costs · FHA—$8,150$11,310
Total loan costs · VA—$4,530$6,490
Origination charges (all loan types)—$1,450$1,860
Borrowers paying discount points—37.9%51.3%
Points paid, when paid (% of loan)—0.48%0.87%
Borrowers receiving lender credits—31.7%33.1%
Adjustable-rate mortgages9.1%5.8%7.4%
Jumbo loans (above conforming limit)0.0%1.3%3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Reynolds County: 2 of 35 completed home-purchase applications were denied (5.7%).

Denial rate

ApplicationReynolds CountyMissouriU.S.
Home purchase5.7%6.5%8.5%
Conventional—5.4%7.1%
FHA—9.2%12.5%
VA—6.9%8.0%
USDA—9.9%12.5%
Refinance—13.3%17.9%
Cash-out refinance—31.5%33.6%

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Reynolds County

Refinances
14
Rate/term
Refi rate
—
30-yr fixed, conv.
Refi loan costs
—
Conventional
Cash-out refis
13
Cash-out rate
—
30-yr fixed, conv.
Cash-out income
—
Median borrower

Top mortgage lenders in Reynolds County

29 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.

#LenderLoansShareDenial rate30-yr rate*Spread*Costs*
1 Peoples Community Bank 9 15.0% — — — —
2 Great Southern Bank 5 8.3% — — — —
3 Veterans United Home Loans 4 6.7% — — — —
4 Rocket Mortgage, LLC 4 6.7% — — — —
5 Southern Bank 4 6.7% — — — —
6 First State Community Bank 3 5.0% — — — —
7 Ozarks Federal Savings and Loan Association 3 5.0% — — — —
8 First Midwest Bank of the Ozarks 3 5.0% — — — —
9 DAS Acquisition Company, LLC 3 5.0% — — — —
10 Gershman Investment Corp. 2 3.3% — — — —
11 Pennymac Loan Services, LLC 2 3.3% — — — —
12 Flanagan State Bank 1 1.7% — — — —
13 Sunflower Bank, N.A. 1 1.7% — — — —
14 Unico Bank 1 1.7% — — — —
15 Planet Home Lending, LLC 1 1.7% — — — —
16 Navy Federal Credit Union 1 1.7% — — — —
17 loanDepot.com, LLC 1 1.7% — — — —
18 Guild Mortgage Company 1 1.7% — — — —
19 State Bank of Missouri 1 1.7% — — — —
20 United Wholesale Mortgage (UWM) 1 1.7% — — — —
21 Paramount Bank 1 1.7% — — — —
22 Flat Branch Mortgage, Inc. 1 1.7% — — — —
23 Mortgage Solutions of Colorado, LLC 1 1.7% — — — —
24 Carrington Mortgage Services, LLC 1 1.7% — — — —
25 Royal United Mortgage LLC 1 1.7% — — — —

Lenders in Reynolds County, MO. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Check a quote for Reynolds County

Typical effective property-tax rate 0.37% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.

Nearby counties

CountyDistancePurchase loansMedian loanBuyer incomeConforming limitFHA limit
Iron County, MO23 mi76$145,000$64,000$832,750$541,287
Shannon County, MO27 mi29——$832,750$541,287
Carter County, MO29 mi37$205,000$85,000$832,750$541,287
Dent County, MO33 mi89$165,000$70,000$832,750$541,287
Wayne County, MO34 mi64$155,000$67,000$832,750$541,287
Madison County, MO35 mi92$145,000$65,000$832,750$541,287

Frequently asked questions

What is the 2026 conforming loan limit in Reynolds County?

$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.

What is the 2026 FHA loan limit in Reynolds County?

$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.

How much do home buyers in Reynolds County earn?

The median household income reported on 2025 home-purchase mortgages was $76,000; the middle half of buyers reported $49,000 to $117,000.

How often are mortgage applications denied in Reynolds County?

5.7% of completed home-purchase applications were denied in 2025.

Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology