Everett Financial in Missouri vs the state
4.5%Denial rate-10.61 pts vs state
6.3%Decision denial rate-12.40 pts vs state
65.6%Origination rate+2.95 pts vs state
6.88%Median rate+0.25 pts vs state
0.53Rate spread (pts)+0.18 pts vs state
$87kMedian applicant income
353Loans originated
24Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 509 | 259 | 7.3% | 7.13% | #74 |
| 2024 | 396 | 297 | 2.5% | 6.99% | #99 |
| 2025 | 538 | 353 | 4.5% | 6.88% | #85 |
What Everett Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 167 | 103 | 12 | 7.2% |
| Jackson County | 82 | 52 | 2 | 2.4% |
| Clay County | 46 | 35 | 2 | 4.3% |
| St. Charles County | 46 | 33 | 2 | 4.3% |
| St. Louis city | 32 | 23 | 3 | 9.4% |
| Platte County | 23 | 19 | 0 | 0.0% |
| Jefferson County | 19 | 14 | 0 | 0.0% |
| Howell County | 15 | 11 | 1 | 6.7% |
| Cass County | 14 | 8 | 0 | 0.0% |
| Bates County | 8 | 5 | 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: 538 applications in 2025, of which 353 were originated and 24 denied.
4.5% of all applications, or 6.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Everett Financial originated in Missouri in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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