Guaranteed Rate Affinity in Missouri vs the state
4.2%Denial rate-10.91 pts vs state
5.7%Decision denial rate-12.97 pts vs state
67.8%Origination rate+5.10 pts vs state
6.53%Median rate-0.10 pts vs state
0.27Rate spread (pts)-0.08 pts vs state
$97kMedian applicant income
782Loans originated
48Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 888 | 587 | 6.6% | 6.60% | #50 |
| 2024 | 863 | 630 | 5.2% | 6.63% | #54 |
| 2025 | 1,154 | 782 | 4.2% | 6.53% | #45 |
What Guaranteed Rate Affinity lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 514 | 334 | 24 | 4.7% |
| St. Charles County | 264 | 185 | 8 | 3.0% |
| St. Louis city | 155 | 99 | 5 | 3.2% |
| Jefferson County | 99 | 75 | 7 | 7.1% |
| Lincoln County | 27 | 21 | 1 | 3.7% |
| Franklin County | 23 | 17 | 1 | 4.3% |
| Warren County | 21 | 15 | 1 | 4.8% |
| St. Francois County | 5 | 2 | 0 | 0.0% |
| Boone County | 5 | 3 | 0 | 0.0% |
| Montgomery County | 5 | 3 | 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: 1,154 applications in 2025, of which 782 were originated and 48 denied.
4.2% of all applications, or 5.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Guaranteed Rate Affinity originated in Missouri in 2025 was 6.53%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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