Bpl Mortgage Trust in Missouri vs the state
6.8%Denial rate-8.23 pts vs state
7.1%Decision denial rate-11.62 pts vs state
80.6%Origination rate+17.91 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
365Loans originated
31Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 61 | 12.5% | 9.00% | #243 |
| 2024 | 401 | 309 | 6.0% | 7.50% | #94 |
| 2025 | 453 | 365 | 6.8% | 7.38% | #98 |
What Bpl Mortgage Trust lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 245 | 190 | 21 | 8.6% |
| Jackson County | 98 | 83 | 5 | 5.1% |
| St. Louis city | 57 | 46 | 4 | 7.0% |
| Greene County | 14 | 13 | 0 | 0.0% |
| Livingston County | 7 | 6 | 0 | 0.0% |
| Buchanan County | 4 | 4 | 0 | 0.0% |
| Boone County | 4 | 4 | 0 | 0.0% |
| Cape Girardeau County | 3 | 3 | 0 | 0.0% |
| Jasper County | 3 | 2 | 0 | 0.0% |
| Clay County | 3 | 3 | 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: 453 applications in 2025, of which 365 were originated and 31 denied.
6.8% of all applications, or 7.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bpl Mortgage Trust originated in Missouri in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Bpl Mortgage Trust'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