21st Mortgage in Missouri vs the state
49.1%Denial rate+34.07 pts vs state
70.0%Decision denial rate+51.33 pts vs state
20.2%Origination rate-42.50 pts vs state
10.13%Median rate+3.51 pts vs state
4.50Rate spread (pts)+4.15 pts vs state
$62kMedian applicant income
421Loans originated
1,026Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,737 | 324 | 50.4% | 9.89% | #24 |
| 2024 | 1,872 | 408 | 46.7% | 10.24% | #26 |
| 2025 | 2,088 | 421 | 49.1% | 10.13% | #26 |
What 21st Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 174 | 40 | 93 | 53.4% |
| Clay County | 143 | 47 | 64 | 44.8% |
| St. Charles County | 105 | 20 | 54 | 51.4% |
| Laclede County | 85 | 12 | 48 | 56.5% |
| Greene County | 74 | 13 | 38 | 51.4% |
| Jackson County | 67 | 18 | 33 | 49.3% |
| Stone County | 61 | 12 | 26 | 42.6% |
| Taney County | 58 | 9 | 28 | 48.3% |
| Pulaski County | 54 | 6 | 33 | 61.1% |
| Lawrence County | 49 | 13 | 17 | 34.7% |
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: 2,088 applications in 2025, of which 421 were originated and 1,026 denied.
49.1% of all applications, or 70.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans 21st Mortgage originated in Missouri in 2025 was 10.13%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage'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