Gershman Investment in Missouri vs the state
6.3%Denial rate-8.73 pts vs state
8.0%Decision denial rate-10.75 pts vs state
72.9%Origination rate+10.28 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)0.00 pts vs state
$81kMedian applicant income
1,690Loans originated
147Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,140 | 1,625 | 5.8% | 7.00% | #20 |
| 2024 | 2,163 | 1,630 | 5.1% | 6.75% | #23 |
| 2025 | 2,317 | 1,690 | 6.3% | 6.63% | #21 |
What Gershman Investment lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Gershman Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 388 | 263 | 22 | 5.7% |
| Greene County | 371 | 298 | 12 | 3.2% |
| St. Charles County | 214 | 168 | 10 | 4.7% |
| Jefferson County | 204 | 148 | 7 | 3.4% |
| Christian County | 131 | 97 | 7 | 5.3% |
| St. Louis city | 113 | 84 | 5 | 4.4% |
| Lawrence County | 48 | 34 | 1 | 2.1% |
| St. Francois County | 43 | 32 | 0 | 0.0% |
| Taney County | 41 | 36 | 0 | 0.0% |
| Boone County | 40 | 16 | 14 | 35.0% |
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: 2,317 applications in 2025, of which 1,690 were originated and 147 denied.
6.3% of all applications, or 8.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Gershman Investment originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Gershman Investment'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