Nations Direct Mortgage in Missouri vs the state
2.5%Denial rate-12.61 pts vs state
2.8%Decision denial rate-15.94 pts vs state
86.7%Origination rate+24.04 pts vs state
6.75%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.03 pts vs state
$103kMedian applicant income
176Loans originated
5Denied
What Nations Direct Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 92 | 83 | 2 | 2.2% |
| Cape Girardeau County | 29 | 22 | 1 | 3.4% |
| Miller County | 10 | 9 | 0 | 0.0% |
| Morgan County | 8 | 7 | 0 | 0.0% |
| St. Louis County | 8 | 7 | 0 | 0.0% |
| Jackson County | 6 | 5 | 0 | 0.0% |
| Lafayette County | 5 | 5 | 0 | 0.0% |
| Pettis County | 5 | 5 | 0 | 0.0% |
| Saline County | 4 | 3 | 0 | 0.0% |
| Jefferson County | 4 | 3 | 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: 203 applications in 2025, of which 176 were originated and 5 denied.
2.5% 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 Nations Direct Mortgage originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage'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