Guild Mortgage in Missouri vs the state
2.5%Denial rate-12.55 pts vs state
3.1%Decision denial rate-15.61 pts vs state
73.9%Origination rate+11.27 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.02 pts vs state
$85kMedian applicant income
5,462Loans originated
186Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,660 | 3,607 | 2.2% | 6.99% | #8 |
| 2024 | 5,818 | 4,474 | 1.7% | 6.88% | #5 |
| 2025 | 7,388 | 5,462 | 2.5% | 6.63% | #3 |
What Guild Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 2,090 | 1,517 | 61 | 2.9% |
| St. Charles County | 765 | 576 | 17 | 2.2% |
| Jefferson County | 719 | 535 | 12 | 1.7% |
| Jackson County | 613 | 452 | 29 | 4.7% |
| St. Louis city | 562 | 420 | 16 | 2.8% |
| St. Francois County | 367 | 278 | 6 | 1.6% |
| Franklin County | 255 | 168 | 4 | 1.6% |
| Clay County | 236 | 173 | 3 | 1.3% |
| Lincoln County | 166 | 128 | 3 | 1.8% |
| Greene County | 156 | 132 | 1 | 0.6% |
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% |
| 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% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 7,388 applications in 2025, of which 5,462 were originated and 186 denied.
2.5% of all applications, or 3.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Guild Mortgage originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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