American Heritage Lending in Missouri vs the state
5.6%Denial rate-9.51 pts vs state
8.4%Decision denial rate-10.30 pts vs state
47.5%Origination rate-15.19 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$10kMedian applicant income
94Loans originated
11Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 41 | 5.6% | 8.25% | #278 |
| 2024 | 132 | 63 | 14.4% | 8.38% | #214 |
| 2025 | 198 | 94 | 5.6% | 7.50% | #187 |
What American Heritage Lending lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 86 | 34 | 3 | 3.5% |
| St. Louis County | 44 | 22 | 4 | 9.1% |
| St. Louis city | 25 | 11 | 1 | 4.0% |
| Buchanan County | 10 | 10 | 0 | 0.0% |
| Cole County | 8 | 6 | 1 | 12.5% |
| Boone County | 6 | 5 | 1 | 16.7% |
| Marion County | 3 | 0 | 0 | 0.0% |
| Jasper County | 3 | 2 | 0 | 0.0% |
| Cass County | 2 | 1 | 0 | 0.0% |
| Taney County | 2 | 2 | 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: 198 applications in 2025, of which 94 were originated and 11 denied.
5.6% of all applications, or 8.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans American Heritage Lending originated in Missouri in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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