Lima One Capital in Missouri vs the state
22.2%Denial rate+7.15 pts vs state
27.3%Decision denial rate+8.57 pts vs state
59.3%Origination rate-3.40 pts vs state
7.45%Median rate+0.83 pts vs state
—Rate spread (pts)
—Median applicant income
48Loans originated
18Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 91 | 0.0% | 9.15% | #247 |
| 2024 | 185 | 121 | 14.1% | 8.15% | #179 |
| 2025 | 81 | 48 | 22.2% | 7.45% | #294 |
What Lima One Capital lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 41 | 26 | 7 | 17.1% |
| St. Louis County | 18 | 11 | 5 | 27.8% |
| St. Louis city | 11 | 4 | 5 | 45.5% |
| Clay County | 6 | 5 | 0 | 0.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Camden County | 1 | 0 | 0 | 0.0% |
| Dunklin County | 1 | 0 | 1 | 100.0% |
| Buchanan County | 1 | 0 | 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: 81 applications in 2025, of which 48 were originated and 18 denied.
22.2% of all applications, or 27.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Lima One Capital originated in Missouri in 2025 was 7.45%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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