Merchants Mortgage & Trust Corporation in Missouri vs the state
2.6%Denial rate-12.44 pts vs state
2.8%Decision denial rate-15.92 pts vs state
92.1%Origination rate+29.45 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
—Median applicant income
35Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 31 | 2.8% | 11.00% | #371 |
| 2024 | 16 | 14 | 0.0% | 11.25% | #451 |
| 2025 | 38 | 35 | 2.6% | 10.50% | #374 |
What Merchants Mortgage & Trust Corporation lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Merchants Mortgage & Trust Corporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 25 | 25 | 0 | 0.0% |
| Clay County | 4 | 3 | 1 | 25.0% |
| Platte County | 3 | 3 | 0 | 0.0% |
| St. Louis city | 2 | 0 | 0 | 0.0% |
| St. Louis County | 2 | 2 | 0 | 0.0% |
| St. Charles County | 1 | 1 | 0 | 0.0% |
| Cape Girardeau 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: 38 applications in 2025, of which 35 were originated and 1 denied.
2.6% of all applications, or 2.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Merchants Mortgage & Trust Corporation originated in Missouri in 2025 was 10.50%, against a statewide median of 6.63%.
About this data. Figures are Merchants Mortgage & Trust Corporation'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