Lower in Missouri vs the state
15.7%Denial rate+0.59 pts vs state
24.2%Decision denial rate+5.52 pts vs state
48.5%Origination rate-14.18 pts vs state
6.50%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.08 pts vs state
$91kMedian applicant income
192Loans originated
62Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 55 | 14.4% | 7.25% | #240 |
| 2024 | 348 | 204 | 12.4% | 6.63% | #113 |
| 2025 | 396 | 192 | 15.7% | 6.50% | #113 |
What Lower lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 61 | 32 | 11 | 18.0% |
| Greene County | 39 | 24 | 6 | 15.4% |
| Jackson County | 39 | 18 | 8 | 20.5% |
| Clay County | 27 | 12 | 9 | 33.3% |
| St. Charles County | 26 | 8 | 4 | 15.4% |
| St. Louis city | 24 | 13 | 1 | 4.2% |
| Christian County | 21 | 7 | 6 | 28.6% |
| Jefferson County | 15 | 8 | 0 | 0.0% |
| Platte County | 9 | 5 | 0 | 0.0% |
| Franklin County | 8 | 3 | 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: 396 applications in 2025, of which 192 were originated and 62 denied.
15.7% of all applications, or 24.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Lower originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Lower'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