Geneva Financial in Missouri vs the state
1.3%Denial rate-13.79 pts vs state
1.8%Decision denial rate-16.89 pts vs state
68.4%Origination rate+5.75 pts vs state
6.75%Median rate+0.13 pts vs state
0.55Rate spread (pts)+0.20 pts vs state
$89kMedian applicant income
589Loans originated
11Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 301 | 184 | 4.7% | 6.75% | #111 |
| 2024 | 751 | 494 | 2.8% | 7.00% | #63 |
| 2025 | 861 | 589 | 1.3% | 6.75% | #62 |
What Geneva Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 177 | 113 | 4 | 2.3% |
| St. Charles County | 110 | 80 | 1 | 0.9% |
| St. Louis city | 56 | 41 | 0 | 0.0% |
| Jackson County | 51 | 35 | 0 | 0.0% |
| Adair County | 46 | 30 | 0 | 0.0% |
| Cole County | 39 | 32 | 0 | 0.0% |
| Camden County | 38 | 23 | 0 | 0.0% |
| Lincoln County | 38 | 23 | 0 | 0.0% |
| Jefferson County | 37 | 27 | 0 | 0.0% |
| Howell County | 33 | 20 | 2 | 6.1% |
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: 861 applications in 2025, of which 589 were originated and 11 denied.
1.3% of all applications, or 1.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Geneva Financial originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Geneva 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