Consumer Real Estate Finance in Missouri vs the state
27.6%Denial rate+12.48 pts vs state
31.4%Decision denial rate+12.70 pts vs state
60.2%Origination rate-2.46 pts vs state
7.13%Median rate+0.50 pts vs state
1.08Rate spread (pts)+0.73 pts vs state
$54kMedian applicant income
59Loans originated
27Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 38 | 20.7% | 6.88% | #246 |
| 2024 | 70 | 29 | 27.1% | 7.13% | #286 |
| 2025 | 98 | 59 | 27.6% | 7.13% | #265 |
What Consumer Real Estate Finance lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 6 | 3 | 2 | 33.3% |
| Buchanan County | 5 | 3 | 1 | 20.0% |
| Jackson County | 5 | 3 | 1 | 20.0% |
| Butler County | 5 | 2 | 1 | 20.0% |
| Livingston County | 4 | 3 | 1 | 25.0% |
| St. Louis County | 4 | 3 | 1 | 25.0% |
| St. Francois County | 3 | 1 | 2 | 66.7% |
| Pemiscot County | 3 | 1 | 2 | 66.7% |
| Greene County | 3 | 3 | 0 | 0.0% |
| Howell County | 3 | 1 | 1 | 33.3% |
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: 98 applications in 2025, of which 59 were originated and 27 denied.
27.6% of all applications, or 31.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Consumer Real Estate Finance originated in Missouri in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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