Granite Bank in Missouri vs the state
7.7%Denial rate-7.38 pts vs state
11.1%Decision denial rate-7.59 pts vs state
61.5%Origination rate-1.12 pts vs state
6.43%Median rate-0.19 pts vs state
0.27Rate spread (pts)-0.08 pts vs state
$118kMedian applicant income
8Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 1 | 20.0% | 7.63% | #592 |
| 2025 | 13 | 8 | 7.7% | 6.43% | #482 |
What Granite Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 4 | 3 | 0 | 0.0% |
| Clay County | 3 | 3 | 0 | 0.0% |
| Camden County | 2 | 1 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Dade County | 1 | 0 | 1 | 100.0% |
| St. Louis County | 1 | 0 | 0 | 0.0% |
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: 13 applications in 2025, of which 8 were originated and 1 denied.
7.7% of all applications, or 11.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Granite Bank originated in Missouri in 2025 was 6.43%, against a statewide median of 6.63%.
About this data. Figures are Granite 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