M Squared Financial in Missouri vs the state
3.0%Denial rate-12.05 pts vs state
3.8%Decision denial rate-14.94 pts vs state
76.2%Origination rate+13.57 pts vs state
6.50%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.01 pts vs state
$86kMedian applicant income
404Loans originated
16Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 68 | 0.0% | 6.50% | #285 |
| 2024 | 401 | 319 | 2.2% | 6.63% | #95 |
| 2025 | 530 | 404 | 3.0% | 6.50% | #86 |
What M Squared Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most M Squared Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 276 | 208 | 8 | 2.9% |
| Clay County | 99 | 77 | 1 | 1.0% |
| Cass County | 59 | 45 | 3 | 5.1% |
| Platte County | 29 | 24 | 1 | 3.4% |
| Johnson County | 17 | 14 | 0 | 0.0% |
| Buchanan County | 12 | 10 | 0 | 0.0% |
| Clinton County | 7 | 5 | 0 | 0.0% |
| Greene County | 4 | 3 | 0 | 0.0% |
| Christian County | 3 | 1 | 0 | 0.0% |
| Henry County | 3 | 2 | 1 | 33.3% |
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: 530 applications in 2025, of which 404 were originated and 16 denied.
3.0% of all applications, or 3.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans M Squared Financial originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are M Squared Financial'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