Bay Equity in Missouri vs the state
12.5%Denial rate-2.57 pts vs state
17.7%Decision denial rate-1.05 pts vs state
58.3%Origination rate-4.33 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)-0.05 pts vs state
$96kMedian applicant income
14Loans originated
3Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 69 | 3.5% | 6.49% | #257 |
| 2024 | 64 | 50 | 3.1% | 6.63% | #298 |
| 2025 | 24 | 14 | 12.5% | 6.63% | #419 |
What Bay Equity lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 9 | 5 | 2 | 22.2% |
| St. Louis County | 8 | 6 | 0 | 0.0% |
| St. Louis city | 4 | 2 | 1 | 25.0% |
| St. Charles County | 1 | 0 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Taney County | 1 | 0 | 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: 24 applications in 2025, of which 14 were originated and 3 denied.
12.5% of all applications, or 17.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bay Equity originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Bay Equity'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