Hometown Equity Mortgage in Missouri vs the state
36.7%Denial rate+21.63 pts vs state
38.1%Decision denial rate+19.40 pts vs state
58.7%Origination rate-3.94 pts vs state
7.25%Median rate+0.63 pts vs state
1.73Rate spread (pts)+1.38 pts vs state
$137kMedian applicant income
64Loans originated
40Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 10 | 52.0% | 9.31% | #398 |
| 2024 | 40 | 23 | 37.5% | 8.00% | #363 |
| 2025 | 109 | 64 | 36.7% | 7.25% | #257 |
What Hometown Equity Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 50 | 34 | 16 | 32.0% |
| St. Louis city | 12 | 6 | 5 | 41.7% |
| St. Louis County | 11 | 7 | 4 | 36.4% |
| Greene County | 9 | 0 | 8 | 88.9% |
| Jefferson County | 4 | 3 | 1 | 25.0% |
| Clay County | 4 | 3 | 1 | 25.0% |
| St. Charles County | 3 | 3 | 0 | 0.0% |
| Stone County | 3 | 1 | 2 | 66.7% |
| Camden County | 2 | 0 | 1 | 50.0% |
| Lafayette County | 2 | 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: 109 applications in 2025, of which 64 were originated and 40 denied.
36.7% of all applications, or 38.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Hometown Equity Mortgage originated in Missouri in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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