Figure Lending in Missouri vs the state
25.9%Denial rate+10.81 pts vs state
26.8%Decision denial rate+8.06 pts vs state
49.9%Origination rate-12.76 pts vs state
8.70%Median rate+2.07 pts vs state
2.41Rate spread (pts)+2.06 pts vs state
$105kMedian applicant income
513Loans originated
266Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 913 | 448 | 28.5% | 11.25% | #48 |
| 2024 | 1,201 | 573 | 27.4% | 10.60% | #39 |
| 2025 | 1,028 | 513 | 25.9% | 8.70% | #49 |
What Figure Lending lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 187 | 80 | 54 | 28.9% |
| Jackson County | 164 | 86 | 29 | 17.7% |
| St. Charles County | 99 | 65 | 25 | 25.3% |
| Clay County | 54 | 32 | 13 | 24.1% |
| Greene County | 49 | 30 | 12 | 24.5% |
| St. Louis city | 44 | 20 | 8 | 18.2% |
| Jefferson County | 35 | 20 | 8 | 22.9% |
| Platte County | 27 | 15 | 3 | 11.1% |
| Boone County | 25 | 12 | 5 | 20.0% |
| Cass County | 24 | 13 | 5 | 20.8% |
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: 1,028 applications in 2025, of which 513 were originated and 266 denied.
25.9% of all applications, or 26.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Figure Lending originated in Missouri in 2025 was 8.70%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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