Guaranteed Rate in Missouri vs the state
9.1%Denial rate-5.94 pts vs state
16.8%Decision denial rate-1.91 pts vs state
43.7%Origination rate-18.99 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)-0.02 pts vs state
$102kMedian applicant income
421Loans originated
88Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 940 | 456 | 3.8% | 6.74% | #46 |
| 2024 | 611 | 365 | 7.7% | 6.75% | #76 |
| 2025 | 964 | 421 | 9.1% | 6.50% | #53 |
What Guaranteed Rate lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 151 | 61 | 19 | 12.6% |
| Jackson County | 149 | 75 | 8 | 5.4% |
| St. Charles County | 91 | 28 | 6 | 6.6% |
| Clay County | 80 | 44 | 7 | 8.8% |
| Boone County | 43 | 17 | 5 | 11.6% |
| St. Louis city | 30 | 12 | 2 | 6.7% |
| Pulaski County | 30 | 16 | 3 | 10.0% |
| Camden County | 30 | 18 | 0 | 0.0% |
| Jefferson County | 30 | 12 | 4 | 13.3% |
| Greene County | 25 | 6 | 2 | 8.0% |
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: 964 applications in 2025, of which 421 were originated and 88 denied.
9.1% of all applications, or 16.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Guaranteed Rate originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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