Liberty in Missouri vs the state
0.0%Denial rate-15.07 pts vs state
0.0%Decision denial rate-18.70 pts vs state
85.0%Origination rate+22.34 pts vs state
7.25%Median rate+0.63 pts vs state
0.31Rate spread (pts)-0.04 pts vs state
$169kMedian applicant income
17Loans originated
0Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 7 | 20.0% | 8.25% | #503 |
| 2024 | 10 | 8 | 0.0% | 7.38% | #488 |
| 2025 | 20 | 17 | 0.0% | 7.25% | #432 |
What Liberty lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 4 | 4 | 0 | 0.0% |
| St. Louis County | 3 | 3 | 0 | 0.0% |
| Clay County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Webster County | 1 | 0 | 0 | 0.0% |
| Ste. Genevieve County | 1 | 1 | 0 | 0.0% |
| Greene County | 1 | 1 | 0 | 0.0% |
| Holt County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 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: 20 applications in 2025, of which 17 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Liberty originated in Missouri in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Liberty'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