Home Mortgage Alliance Corporation (HMAC) in Missouri vs the state
12.5%Denial rate-2.57 pts vs state
20.0%Decision denial rate+1.30 pts vs state
50.0%Origination rate-12.66 pts vs state
7.81%Median rate+1.19 pts vs state
0.74Rate spread (pts)+0.39 pts vs state
$158kMedian applicant income
4Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 5 | 0.0% | 8.75% | #514 |
| 2024 | 27 | 17 | 0.0% | 7.13% | #403 |
| 2025 | 8 | 4 | 12.5% | 7.81% | #533 |
What Home Mortgage Alliance Corporation (HMAC) lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 3 | 3 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Pulaski County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Cass County | 1 | 0 | 1 | 100.0% |
| Jefferson 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: 8 applications in 2025, of which 4 were originated and 1 denied.
12.5% of all applications, or 20.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Missouri in 2025 was 7.81%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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