Discover Bank in Missouri vs the state
53.4%Denial rate+38.36 pts vs state
75.9%Decision denial rate+57.17 pts vs state
16.3%Origination rate-46.35 pts vs state
8.66%Median rate+2.04 pts vs state
2.18Rate spread (pts)+1.82 pts vs state
$100kMedian applicant income
214Loans originated
701Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,010 | 639 | 45.4% | 9.84% | #12 |
| 2024 | 3,989 | 802 | 47.4% | 8.86% | #13 |
| 2025 | 1,312 | 214 | 53.4% | 8.66% | #40 |
What Discover Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 209 | 41 | 114 | 54.5% |
| Jackson County | 148 | 25 | 74 | 50.0% |
| St. Charles County | 132 | 25 | 59 | 44.7% |
| Clay County | 68 | 22 | 37 | 54.4% |
| Jefferson County | 66 | 12 | 37 | 56.1% |
| Greene County | 65 | 12 | 39 | 60.0% |
| Christian County | 40 | 5 | 25 | 62.5% |
| St. Louis city | 40 | 8 | 26 | 65.0% |
| Boone County | 35 | 5 | 15 | 42.9% |
| Platte County | 32 | 4 | 16 | 50.0% |
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: 1,312 applications in 2025, of which 214 were originated and 701 denied.
53.4% of all applications, or 75.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Discover Bank originated in Missouri in 2025 was 8.66%, against a statewide median of 6.63%.
About this data. Figures are Discover Bank'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