Jlb in Missouri vs the state
4.1%Denial rate-10.94 pts vs state
4.9%Decision denial rate-13.80 pts vs state
79.8%Origination rate+17.13 pts vs state
6.25%Median rate-0.38 pts vs state
0.31Rate spread (pts)-0.04 pts vs state
$84kMedian applicant income
521Loans originated
27Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 569 | 449 | 3.9% | 6.63% | #69 |
| 2024 | 632 | 488 | 5.1% | 6.25% | #73 |
| 2025 | 653 | 521 | 4.1% | 6.25% | #74 |
What Jlb lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Jlb applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 194 | 154 | 6 | 3.1% |
| St. Charles County | 125 | 100 | 7 | 5.6% |
| Jefferson County | 73 | 57 | 5 | 6.8% |
| Jackson County | 68 | 53 | 5 | 7.4% |
| Clay County | 36 | 28 | 1 | 2.8% |
| St. Louis city | 28 | 20 | 1 | 3.6% |
| Franklin County | 25 | 23 | 0 | 0.0% |
| Lincoln County | 22 | 19 | 0 | 0.0% |
| Cass County | 22 | 18 | 0 | 0.0% |
| Warren County | 11 | 11 | 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: 653 applications in 2025, of which 521 were originated and 27 denied.
4.1% of all applications, or 4.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Jlb originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Jlb'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