Mortgage Research Center in Missouri vs the state
15.6%Denial rate+0.57 pts vs state
23.3%Decision denial rate+4.64 pts vs state
50.6%Origination rate-12.07 pts vs state
6.25%Median rate-0.38 pts vs state
-0.15Rate spread (pts)-0.50 pts vs state
$84kMedian applicant income
2,901Loans originated
897Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,097 | 2,226 | 14.0% | 6.75% | #11 |
| 2024 | 4,775 | 2,559 | 14.7% | 6.63% | #9 |
| 2025 | 5,734 | 2,901 | 15.6% | 6.25% | #8 |
What Mortgage Research Center lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 490 | 221 | 89 | 18.2% |
| St. Louis County | 490 | 242 | 88 | 18.0% |
| Greene County | 342 | 192 | 41 | 12.0% |
| Boone County | 274 | 149 | 30 | 10.9% |
| St. Charles County | 272 | 137 | 42 | 15.4% |
| Pulaski County | 213 | 129 | 18 | 8.5% |
| Jefferson County | 208 | 99 | 32 | 15.4% |
| Clay County | 162 | 91 | 25 | 15.4% |
| St. Louis city | 146 | 63 | 39 | 26.7% |
| Christian County | 137 | 67 | 20 | 14.6% |
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% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 5,734 applications in 2025, of which 2,901 were originated and 897 denied.
15.6% of all applications, or 23.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Mortgage Research Center originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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