American Pacific Mortgage in Missouri vs the state
6.4%Denial rate-8.69 pts vs state
7.9%Decision denial rate-10.85 pts vs state
74.8%Origination rate+12.17 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)-0.05 pts vs state
$109kMedian applicant income
657Loans originated
56Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 172 | 8.8% | 7.00% | #130 |
| 2024 | 728 | 525 | 8.9% | 6.63% | #66 |
| 2025 | 878 | 657 | 6.4% | 6.63% | #60 |
What American Pacific Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 275 | 221 | 11 | 4.0% |
| St. Louis County | 170 | 127 | 15 | 8.8% |
| Jackson County | 72 | 48 | 5 | 6.9% |
| Jefferson County | 70 | 56 | 2 | 2.9% |
| Warren County | 30 | 28 | 0 | 0.0% |
| St. Louis city | 30 | 18 | 2 | 6.7% |
| Boone County | 29 | 20 | 2 | 6.9% |
| Lincoln County | 29 | 23 | 1 | 3.4% |
| St. Francois County | 17 | 13 | 2 | 11.8% |
| Marion County | 12 | 8 | 1 | 8.3% |
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: 878 applications in 2025, of which 657 were originated and 56 denied.
6.4% of all applications, or 7.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans American Pacific Mortgage originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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