Click n' Close in Missouri vs the state
3.4%Denial rate-11.71 pts vs state
4.2%Decision denial rate-14.49 pts vs state
76.2%Origination rate+13.49 pts vs state
6.50%Median rate-0.13 pts vs state
2.12Rate spread (pts)+1.77 pts vs state
$91kMedian applicant income
431Loans originated
19Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 347 | 260 | 0.6% | 6.75% | #103 |
| 2024 | 670 | 419 | 0.8% | 6.88% | #71 |
| 2025 | 566 | 431 | 3.4% | 6.50% | #80 |
What Click n' Close lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 104 | 70 | 8 | 7.7% |
| Clay County | 91 | 85 | 0 | 0.0% |
| Howell County | 70 | 55 | 0 | 0.0% |
| Platte County | 37 | 34 | 0 | 0.0% |
| Greene County | 27 | 22 | 0 | 0.0% |
| St. Louis County | 18 | 9 | 3 | 16.7% |
| Christian County | 15 | 9 | 0 | 0.0% |
| St. Charles County | 12 | 9 | 0 | 0.0% |
| Boone County | 12 | 4 | 2 | 16.7% |
| Lawrence County | 11 | 7 | 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: 566 applications in 2025, of which 431 were originated and 19 denied.
3.4% of all applications, or 4.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Click n' Close originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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