Arsenal Credit Union in Missouri vs the state
9.3%Denial rate-5.74 pts vs state
9.5%Decision denial rate-9.16 pts vs state
86.2%Origination rate+23.53 pts vs state
6.63%Median rate0.00 pts vs state
1.31Rate spread (pts)+0.96 pts vs state
$126kMedian applicant income
231Loans originated
25Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 117 | 10.8% | 6.75% | #195 |
| 2024 | 163 | 146 | 7.4% | 6.75% | #192 |
| 2025 | 268 | 231 | 9.3% | 6.63% | #148 |
What Arsenal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Arsenal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 106 | 92 | 11 | 10.4% |
| St. Louis County | 89 | 75 | 10 | 11.2% |
| St. Louis city | 43 | 41 | 0 | 0.0% |
| St. Charles County | 18 | 14 | 2 | 11.1% |
| Franklin County | 7 | 5 | 1 | 14.3% |
| St. Francois County | 4 | 3 | 1 | 25.0% |
| Camden 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: 268 applications in 2025, of which 231 were originated and 25 denied.
9.3% of all applications, or 9.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Arsenal Credit Union originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Arsenal 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