Manufacturers and Traders Trust in Missouri vs the state
25.8%Denial rate+10.74 pts vs state
36.4%Decision denial rate+17.66 pts vs state
45.2%Origination rate-17.50 pts vs state
6.25%Median rate-0.38 pts vs state
0.32Rate spread (pts)-0.03 pts vs state
$83kMedian applicant income
42Loans originated
24Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 27 | 22.1% | 6.50% | #283 |
| 2024 | 63 | 36 | 14.3% | 6.25% | #300 |
| 2025 | 93 | 42 | 25.8% | 6.25% | #269 |
What Manufacturers and Traders Trust lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 20 | 12 | 3 | 15.0% |
| St. Louis County | 16 | 8 | 4 | 25.0% |
| St. Charles County | 8 | 2 | 4 | 50.0% |
| Clay County | 5 | 1 | 2 | 40.0% |
| Buchanan County | 5 | 3 | 2 | 40.0% |
| Greene County | 4 | 1 | 0 | 0.0% |
| Clinton County | 3 | 1 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Pulaski County | 2 | 1 | 1 | 50.0% |
| Randolph County | 2 | 0 | 1 | 50.0% |
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: 93 applications in 2025, of which 42 were originated and 24 denied.
25.8% of all applications, or 36.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Manufacturers and Traders Trust originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders Trust'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