National Police Federal Credit Union effective in Missouri vs the state
0.0%Denial rate-15.07 pts vs state
0.0%Decision denial rate-18.70 pts vs state
84.6%Origination rate+21.96 pts vs state
—Median rate
—Rate spread (pts)
$184kMedian applicant income
11Loans originated
0Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 11 | 0.0% | — | #473 |
| 2025 | 13 | 11 | 0.0% | — | #486 |
What National Police Federal Credit Union effective lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most National Police Federal Credit Union effective applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Christian County | 3 | 1 | 0 | 0.0% |
| St. Louis County | 2 | 2 | 0 | 0.0% |
| Lafayette County | 1 | 1 | 0 | 0.0% |
| Taney County | 1 | 1 | 0 | 0.0% |
| New Madrid County | 1 | 1 | 0 | 0.0% |
| Lawrence County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| St. Charles County | 1 | 1 | 0 | 0.0% |
| Greene 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: 13 applications in 2025, of which 11 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are National Police Federal Credit Union effective'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