Empeople Credit Union in Missouri vs the state
19.2%Denial rate+4.08 pts vs state
25.7%Decision denial rate+7.01 pts vs state
55.3%Origination rate-7.34 pts vs state
6.49%Median rate-0.13 pts vs state
-0.24Rate spread (pts)-0.59 pts vs state
$111kMedian applicant income
52Loans originated
18Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 61 | 22.0% | 6.50% | #227 |
| 2024 | 73 | 46 | 21.9% | 6.99% | #281 |
| 2025 | 94 | 52 | 19.2% | 6.49% | #267 |
What Empeople Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 19 | 10 | 3 | 15.8% |
| Jackson County | 9 | 6 | 0 | 0.0% |
| Clay County | 7 | 6 | 1 | 14.3% |
| Christian County | 5 | 3 | 2 | 40.0% |
| Jasper County | 4 | 3 | 1 | 25.0% |
| Bates County | 3 | 1 | 1 | 33.3% |
| Webster County | 3 | 0 | 0 | 0.0% |
| Platte County | 3 | 2 | 1 | 33.3% |
| Dade County | 3 | 1 | 1 | 33.3% |
| St. Charles County | 2 | 2 | 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: 94 applications in 2025, of which 52 were originated and 18 denied.
19.2% of all applications, or 25.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Empeople Credit Union originated in Missouri in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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