Citibank in Missouri vs the state
16.5%Denial rate+1.46 pts vs state
32.8%Decision denial rate+14.09 pts vs state
32.2%Origination rate-30.43 pts vs state
6.63%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.24 pts vs state
$130kMedian applicant income
39Loans originated
20Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 36 | 12.5% | 6.14% | #252 |
| 2024 | 105 | 41 | 10.5% | 6.63% | #243 |
| 2025 | 121 | 39 | 16.5% | 6.63% | #246 |
What Citibank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 34 | 16 | 2 | 5.9% |
| St. Charles County | 12 | 3 | 4 | 33.3% |
| Jackson County | 10 | 3 | 2 | 20.0% |
| Clay County | 8 | 2 | 3 | 37.5% |
| Platte County | 8 | 3 | 0 | 0.0% |
| Callaway County | 4 | 0 | 1 | 25.0% |
| St. Louis city | 4 | 2 | 0 | 0.0% |
| Christian County | 4 | 0 | 2 | 50.0% |
| Franklin County | 3 | 1 | 1 | 33.3% |
| Buchanan County | 3 | 1 | 2 | 66.7% |
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: 121 applications in 2025, of which 39 were originated and 20 denied.
16.5% of all applications, or 32.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Citibank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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