1st Midamerica Credit Union in Missouri vs the state
12.7%Denial rate-2.39 pts vs state
14.3%Decision denial rate-4.41 pts vs state
69.0%Origination rate+6.35 pts vs state
—Median rate
—Rate spread (pts)
$98kMedian applicant income
49Loans originated
9Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 15 | 22.7% | 7.00% | #410 |
| 2024 | 95 | 66 | 15.8% | — | #250 |
| 2025 | 71 | 49 | 12.7% | — | #309 |
What 1st Midamerica Credit Union lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most 1st Midamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 34 | 22 | 5 | 14.7% |
| St. Charles County | 10 | 6 | 2 | 20.0% |
| St. Louis County | 10 | 8 | 0 | 0.0% |
| Cass County | 4 | 3 | 0 | 0.0% |
| Clark County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Camden County | 1 | 1 | 0 | 0.0% |
| Iron County | 1 | 0 | 1 | 100.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 71 applications in 2025, of which 49 were originated and 9 denied.
12.7% of all applications, or 14.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are 1st Midamerica Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology