Digital in Missouri vs the state
17.7%Denial rate+2.67 pts vs state
39.3%Decision denial rate+20.59 pts vs state
27.4%Origination rate-35.24 pts vs state
7.74%Median rate+1.12 pts vs state
0.55Rate spread (pts)+0.20 pts vs state
$158kMedian applicant income
17Loans originated
11Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 39 | 9.2% | 6.13% | #214 |
| 2024 | 82 | 13 | 23.2% | 7.87% | #268 |
| 2025 | 62 | 17 | 17.7% | 7.74% | #325 |
What Digital lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 25 | 5 | 3 | 12.0% |
| St. Louis County | 23 | 10 | 5 | 21.7% |
| Jefferson County | 4 | 0 | 0 | 0.0% |
| Jackson County | 2 | 0 | 1 | 50.0% |
| Platte County | 2 | 1 | 0 | 0.0% |
| St. Louis city | 2 | 0 | 1 | 50.0% |
| Phelps County | 1 | 0 | 0 | 0.0% |
| Callaway County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 0 | 0.0% |
| Taney County | 1 | 0 | 1 | 100.0% |
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: 62 applications in 2025, of which 17 were originated and 11 denied.
17.7% of all applications, or 39.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Digital originated in Missouri in 2025 was 7.74%, against a statewide median of 6.63%.
About this data. Figures are Digital'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