Better Mortgage in Missouri vs the state
26.6%Denial rate+11.51 pts vs state
46.2%Decision denial rate+27.50 pts vs state
30.3%Origination rate-32.35 pts vs state
7.50%Median rate+0.88 pts vs state
0.71Rate spread (pts)+0.36 pts vs state
$120kMedian applicant income
187Loans originated
164Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 77 | 4.6% | 6.13% | #173 |
| 2024 | 202 | 82 | 15.4% | 6.56% | #163 |
| 2025 | 617 | 187 | 26.6% | 7.50% | #77 |
What Better Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 109 | 42 | 24 | 22.0% |
| Jackson County | 80 | 25 | 25 | 31.3% |
| St. Charles County | 59 | 13 | 14 | 23.7% |
| St. Louis city | 37 | 12 | 9 | 24.3% |
| Clay County | 30 | 8 | 5 | 16.7% |
| Boone County | 29 | 8 | 8 | 27.6% |
| Greene County | 23 | 5 | 5 | 21.7% |
| Jefferson County | 23 | 5 | 4 | 17.4% |
| Christian County | 15 | 4 | 5 | 33.3% |
| Platte County | 13 | 2 | 6 | 46.2% |
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: 617 applications in 2025, of which 187 were originated and 164 denied.
26.6% of all applications, or 46.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Better Mortgage originated in Missouri in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Better 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