Constructive Loans in Missouri vs the state
0.0%Denial rate-15.07 pts vs state
0.0%Decision denial rate-18.70 pts vs state
84.2%Origination rate+21.55 pts vs state
7.81%Median rate+1.19 pts vs state
—Rate spread (pts)
—Median applicant income
16Loans originated
0Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 15 | 12 | 6.7% | 8.27% | #452 |
| 2025 | 19 | 16 | 0.0% | 7.81% | #438 |
What Constructive Loans lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 9 | 9 | 0 | 0.0% |
| Jackson County | 3 | 1 | 0 | 0.0% |
| Greene County | 3 | 2 | 0 | 0.0% |
| St. Louis city | 2 | 2 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 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: 19 applications in 2025, of which 16 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Constructive Loans originated in Missouri in 2025 was 7.81%, against a statewide median of 6.63%.
About this data. Figures are Constructive Loans'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