Navy Federal Credit Union in Missouri vs the state
20.8%Denial rate+5.75 pts vs state
30.0%Decision denial rate+11.26 pts vs state
48.1%Origination rate-14.61 pts vs state
6.63%Median rate0.00 pts vs state
0.01Rate spread (pts)-0.34 pts vs state
$108kMedian applicant income
1,087Loans originated
471Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,863 | 857 | 27.4% | 6.88% | #22 |
| 2024 | 2,103 | 1,007 | 22.2% | 6.75% | #24 |
| 2025 | 2,262 | 1,087 | 20.8% | 6.63% | #23 |
What Navy Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 384 | 153 | 106 | 27.6% |
| Jackson County | 268 | 138 | 46 | 17.2% |
| St. Charles County | 169 | 88 | 25 | 14.8% |
| Pulaski County | 135 | 73 | 21 | 15.6% |
| Greene County | 115 | 58 | 21 | 18.3% |
| St. Louis city | 107 | 31 | 42 | 39.3% |
| Jefferson County | 91 | 51 | 22 | 24.2% |
| Clay County | 87 | 49 | 14 | 16.1% |
| Platte County | 68 | 38 | 8 | 11.8% |
| Cass County | 65 | 35 | 9 | 13.8% |
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: 2,262 applications in 2025, of which 1,087 were originated and 471 denied.
20.8% of all applications, or 30.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Navy Federal Credit Union originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Navy Federal Credit Union'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