American Bank of Freedom in Missouri vs the state
1.4%Denial rate-13.65 pts vs state
1.5%Decision denial rate-17.23 pts vs state
93.6%Origination rate+30.96 pts vs state
7.88%Median rate+1.25 pts vs state
2.69Rate spread (pts)+2.34 pts vs state
$168kMedian applicant income
132Loans originated
2Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 178 | 1.1% | 9.00% | #163 |
| 2024 | 166 | 157 | 1.8% | 9.50% | #189 |
| 2025 | 141 | 132 | 1.4% | 7.88% | #225 |
What American Bank of Freedom lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most American Bank of Freedom applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 86 | 81 | 2 | 2.3% |
| St. Louis city | 18 | 18 | 0 | 0.0% |
| St. Charles County | 17 | 17 | 0 | 0.0% |
| Jefferson County | 8 | 6 | 0 | 0.0% |
| Camden County | 5 | 5 | 0 | 0.0% |
| Warren County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Lincoln 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: 141 applications in 2025, of which 132 were originated and 2 denied.
1.4% of all applications, or 1.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans American Bank of Freedom originated in Missouri in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are American Bank of Freedom'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