How could there be no residential building codes in southern Missouri?

We bought and closed on a new house and there was no final grade done, we have a negative water flow, they did not finish some things in our house like caulking and it ruined our floors, we did do a punch list 5 months ago and these things were not done and I found out that there are no codes to build by, anyone can build a house here, our foundation will eventually be ruined, but without a home inspection how did I get financed? Shouldn’t my morgage company know about this or insurance company?

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