Mid-Continent Funding in Missouri vs the state
10.8%Denial rate-4.30 pts vs state
13.5%Decision denial rate-5.24 pts vs state
60.0%Origination rate-2.66 pts vs state
6.38%Median rate-0.25 pts vs state
0.20Rate spread (pts)-0.15 pts vs state
$72kMedian applicant income
39Loans originated
7Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 70 | 3.1% | 6.50% | #236 |
| 2024 | 130 | 83 | 3.9% | 6.25% | #218 |
| 2025 | 65 | 39 | 10.8% | 6.38% | #319 |
What Mid-Continent Funding lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Mid-Continent Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 23 | 12 | 2 | 8.7% |
| Greene County | 5 | 5 | 0 | 0.0% |
| St. Louis County | 5 | 2 | 1 | 20.0% |
| Jackson County | 4 | 2 | 1 | 25.0% |
| Callaway County | 3 | 1 | 2 | 66.7% |
| Osage County | 2 | 2 | 0 | 0.0% |
| Crawford County | 2 | 2 | 0 | 0.0% |
| Scott County | 2 | 1 | 0 | 0.0% |
| Howell County | 2 | 2 | 0 | 0.0% |
| Howard County | 2 | 2 | 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: 65 applications in 2025, of which 39 were originated and 7 denied.
10.8% of all applications, or 13.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Mid-Continent Funding originated in Missouri in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Mid-Continent Funding'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