Neighborhood Loans in Missouri vs the state
60.0%Denial rate+44.93 pts vs state
85.3%Decision denial rate+66.64 pts vs state
4.9%Origination rate-57.81 pts vs state
—Median rate
-5.99Rate spread (pts)-6.34 pts vs state
$101kMedian applicant income
8Loans originated
99Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 365 | 264 | 17.3% | 7.00% | #97 |
| 2024 | 493 | 342 | 20.1% | 6.99% | #81 |
| 2025 | 165 | 8 | 60.0% | — | #208 |
What Neighborhood Loans lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 62 | 3 | 35 | 56.5% |
| St. Louis city | 18 | 0 | 15 | 83.3% |
| Cass County | 16 | 0 | 10 | 62.5% |
| St. Charles County | 15 | 1 | 7 | 46.7% |
| Jackson County | 12 | 0 | 9 | 75.0% |
| Franklin County | 10 | 2 | 6 | 60.0% |
| Jefferson County | 10 | 2 | 6 | 60.0% |
| Cape Girardeau County | 3 | 0 | 1 | 33.3% |
| Clay County | 3 | 0 | 1 | 33.3% |
| Bates County | 3 | 0 | 1 | 33.3% |
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: 165 applications in 2025, of which 8 were originated and 99 denied.
60.0% of all applications, or 85.3% 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 Neighborhood Loans'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