Home Loan Investment Bank in Missouri vs the state
20.8%Denial rate+5.76 pts vs state
33.3%Decision denial rate+14.63 pts vs state
41.7%Origination rate-20.99 pts vs state
7.85%Median rate+1.22 pts vs state
4.47Rate spread (pts)+4.12 pts vs state
$158kMedian applicant income
10Loans originated
5Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 19 | 20.8% | 8.95% | #317 |
| 2024 | 38 | 17 | 10.5% | 8.25% | #370 |
| 2025 | 24 | 10 | 20.8% | 7.85% | #420 |
What Home Loan Investment Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 5 | 2 | 1 | 20.0% |
| St. Louis city | 4 | 3 | 0 | 0.0% |
| St. Louis County | 3 | 0 | 1 | 33.3% |
| Cass County | 2 | 1 | 1 | 50.0% |
| Camden County | 2 | 1 | 1 | 50.0% |
| Christian County | 1 | 0 | 0 | 0.0% |
| Clay County | 1 | 0 | 0 | 0.0% |
| Greene County | 1 | 0 | 1 | 100.0% |
| Taney County | 1 | 1 | 0 | 0.0% |
| Platte County | 1 | 1 | 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: 24 applications in 2025, of which 10 were originated and 5 denied.
20.8% of all applications, or 33.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Home Loan Investment Bank originated in Missouri in 2025 was 7.85%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment 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