Nations Lending in Missouri vs the state
3.7%Denial rate-11.38 pts vs state
3.8%Decision denial rate-14.88 pts vs state
83.5%Origination rate+20.85 pts vs state
6.75%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.09 pts vs state
$84kMedian applicant income
385Loans originated
17Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 273 | 230 | 3.7% | 6.99% | #120 |
| 2024 | 337 | 263 | 3.6% | 6.99% | #117 |
| 2025 | 461 | 385 | 3.7% | 6.75% | #97 |
What Nations Lending lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 153 | 138 | 4 | 2.6% |
| St. Louis County | 135 | 109 | 4 | 3.0% |
| Jefferson County | 37 | 30 | 0 | 0.0% |
| Lincoln County | 32 | 29 | 0 | 0.0% |
| St. Louis city | 30 | 24 | 1 | 3.3% |
| Franklin County | 17 | 13 | 0 | 0.0% |
| Warren County | 14 | 10 | 0 | 0.0% |
| Boone County | 3 | 3 | 0 | 0.0% |
| Pike County | 3 | 3 | 0 | 0.0% |
| St. Francois 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: 461 applications in 2025, of which 385 were originated and 17 denied.
3.7% of all applications, or 3.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Nations Lending originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Nations Lending'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