Credit Human Federal Credit Union in Missouri vs the state
82.8%Denial rate+67.77 pts vs state
83.1%Decision denial rate+64.41 pts vs state
3.6%Origination rate-59.03 pts vs state
8.00%Median rate+1.38 pts vs state
2.58Rate spread (pts)+2.23 pts vs state
$60kMedian applicant income
11Loans originated
251Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 0 | 95.8% | — | #194 |
| 2024 | 235 | 4 | 91.1% | 8.90% | #149 |
| 2025 | 303 | 11 | 82.8% | 8.00% | #133 |
What Credit Human Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laclede County | 44 | 1 | 39 | 88.6% |
| Camden County | 25 | 0 | 22 | 88.0% |
| Phelps County | 16 | 0 | 12 | 75.0% |
| Texas County | 14 | 0 | 12 | 85.7% |
| Dallas County | 12 | 0 | 11 | 91.7% |
| Miller County | 10 | 0 | 10 | 100.0% |
| Webster County | 10 | 0 | 8 | 80.0% |
| Pulaski County | 9 | 0 | 9 | 100.0% |
| Crawford County | 9 | 0 | 8 | 88.9% |
| Lincoln County | 7 | 1 | 5 | 71.4% |
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: 303 applications in 2025, of which 11 were originated and 251 denied.
82.8% of all applications, or 83.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Credit Human Federal Credit Union originated in Missouri in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal Credit Union'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