Central Missouri Community Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th36.8% deniedProcesswithdrawn + incomplete share, weight 15%
19th20.3%Closing coststotal loan costs ÷ loan amount, weight 10%
8th4.29% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 103 | 33 | 33.0% | 44.2% | 7.38% | $2.6M |
| 2024 | 109 | 41 | 37.6% | 47.1% | 8.19% | $4.0M |
| 2025 | 133 | 61 | 29.3% | 36.8% | 6.56% | $5.5M |
What Central Missouri Community Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 5 investment properties.
Why Central Missouri Community Credit Union denies applications
Primary reason reported for each of the 39 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Central Missouri Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 12 | 36.8% |
| $50k – $100k | 59 | 25 | 43.1% |
| $100k – $150k | 32 | 17 | 26.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 7 | 46.7% |
| 35–44 | 33 | 18 | 37.9% |
| 45–54 | 31 | 13 | 37.5% |
| 55–64 | 26 | 12 | 34.8% |
Where Central Missouri Community Credit Union lends
1 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 133 | 61 | 29.3% | 6.56% | #232 |
Frequently asked questions
Central Missouri Community Credit Union denied 36.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
The most common reason Central Missouri Community Credit Union gave in 2025 was "debt-to-income ratio", cited on 43.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Central Missouri Community Credit Union originated in 2025 was 6.56%, and its median rate spread over the average prime offer rate was 0.97 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 83% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 97% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.