Flagstar Bank in Missouri vs the state
25.2%Denial rate+10.17 pts vs state
30.6%Decision denial rate+11.89 pts vs state
55.8%Origination rate-6.83 pts vs state
6.50%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.24 pts vs state
$97kMedian applicant income
115Loans originated
52Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,071 | 719 | 17.5% | 7.13% | #39 |
| 2024 | 1,106 | 747 | 18.5% | 6.88% | #42 |
| 2025 | 206 | 115 | 25.2% | 6.50% | #179 |
What Flagstar Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 29 | 14 | 7 | 24.1% |
| St. Louis County | 21 | 13 | 4 | 19.0% |
| Clay County | 13 | 8 | 2 | 15.4% |
| St. Charles County | 11 | 7 | 2 | 18.2% |
| Cape Girardeau County | 9 | 5 | 3 | 33.3% |
| Camden County | 7 | 4 | 3 | 42.9% |
| Jefferson County | 7 | 6 | 0 | 0.0% |
| Cass County | 6 | 3 | 2 | 33.3% |
| Buchanan County | 6 | 2 | 3 | 50.0% |
| Johnson County | 6 | 0 | 1 | 16.7% |
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: 206 applications in 2025, of which 115 were originated and 52 denied.
25.2% of all applications, or 30.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Flagstar Bank originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Flagstar 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