Kind Lending in Missouri vs the state
25.7%Denial rate+10.66 pts vs state
28.8%Decision denial rate+10.10 pts vs state
63.1%Origination rate+0.45 pts vs state
7.13%Median rate+0.50 pts vs state
0.89Rate spread (pts)+0.54 pts vs state
$92kMedian applicant income
130Loans originated
53Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 71 | 36 | 39.4% | 6.63% | #283 |
| 2025 | 206 | 130 | 25.7% | 7.13% | #180 |
What Kind Lending lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 38 | 30 | 3 | 7.9% |
| St. Louis County | 20 | 10 | 9 | 45.0% |
| Cole County | 20 | 14 | 6 | 30.0% |
| Clay County | 14 | 12 | 0 | 0.0% |
| St. Charles County | 11 | 5 | 4 | 36.4% |
| Greene County | 9 | 5 | 3 | 33.3% |
| Jefferson County | 8 | 2 | 5 | 62.5% |
| Camden County | 8 | 5 | 2 | 25.0% |
| St. Louis city | 6 | 3 | 0 | 0.0% |
| Cass County | 6 | 5 | 1 | 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: 206 applications in 2025, of which 130 were originated and 53 denied.
25.7% of all applications, or 28.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Kind Lending originated in Missouri in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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