Freedom Mortgage in Missouri vs the state
8.2%Denial rate-6.91 pts vs state
13.2%Decision denial rate-5.49 pts vs state
46.0%Origination rate-16.69 pts vs state
6.25%Median rate-0.38 pts vs state
0.17Rate spread (pts)-0.18 pts vs state
$83kMedian applicant income
1,814Loans originated
322Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,212 | 503 | 16.6% | 6.75% | #34 |
| 2024 | 2,752 | 1,264 | 9.4% | 6.25% | #18 |
| 2025 | 3,946 | 1,814 | 8.2% | 6.25% | #14 |
What Freedom Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 506 | 222 | 38 | 7.5% |
| St. Louis County | 455 | 187 | 36 | 7.9% |
| St. Charles County | 294 | 158 | 18 | 6.1% |
| Clay County | 218 | 99 | 26 | 11.9% |
| Jefferson County | 187 | 85 | 19 | 10.2% |
| Greene County | 187 | 87 | 15 | 8.0% |
| St. Louis city | 114 | 47 | 6 | 5.3% |
| Cass County | 112 | 60 | 10 | 8.9% |
| Boone County | 79 | 30 | 5 | 6.3% |
| Christian County | 76 | 48 | 4 | 5.3% |
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: 3,946 applications in 2025, of which 1,814 were originated and 322 denied.
8.2% of all applications, or 13.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Freedom Mortgage originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom Mortgage'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