Kiavi Funding in Missouri vs the state
5.8%Denial rate-9.31 pts vs state
11.1%Decision denial rate-7.58 pts vs state
44.0%Origination rate-18.66 pts vs state
9.50%Median rate+2.88 pts vs state
—Rate spread (pts)
—Median applicant income
909Loans originated
119Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 616 | 395 | 14.8% | 10.95% | #62 |
| 2024 | 1,126 | 918 | 6.4% | 9.00% | #41 |
| 2025 | 2,066 | 909 | 5.8% | 9.50% | #27 |
What Kiavi Funding lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 793 | 223 | 45 | 5.7% |
| Jackson County | 573 | 413 | 39 | 6.8% |
| Greene County | 215 | 17 | 1 | 0.5% |
| St. Louis city | 209 | 97 | 20 | 9.6% |
| Clay County | 60 | 47 | 2 | 3.3% |
| Jefferson County | 34 | 22 | 0 | 0.0% |
| St. Charles County | 33 | 25 | 0 | 0.0% |
| Buchanan County | 25 | 6 | 1 | 4.0% |
| Cass County | 19 | 15 | 0 | 0.0% |
| Platte County | 18 | 12 | 3 | 16.7% |
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: 2,066 applications in 2025, of which 909 were originated and 119 denied.
5.8% of all applications, or 11.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Kiavi Funding originated in Missouri in 2025 was 9.50%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding'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