During the period 1999-2000 around 35% of renters and 16% of homeowners lacked affordable housing. This is notwithstanding the fact that there prevailed national prosperity in Missouri in the 1990s. Missouri householders are struggling to afford rent and mortgage payments. Recent developments point out that from now on consumers in Missouri will be able to receive free copies of their credit reports. This they will obtain from each/any of the three national credit bureaus. This will definitely prove beneficial in their mortgage plans and programs too.

Missouri has enacted restrictive online mortgage laws such as requiring that online mortgage lenders have a physical presence in the state.

The commercial mortgage guaranty activity has practically ceased in Missouri and the commercial mortgage guaranty market volume has been decreasing over the years. On the other hand, the volume of the residential guaranty market has been rising steadily.

Home mortgage holders (some 60,000) could soon receive a bonanza in the form of checks. Such hopes have arisen because a Clayton law firm is going on winning cases against banks/other lenders over charging mortgage loan fees unlawfully.