New Day Financial in Missouri vs the state
22.6%Denial rate+7.48 pts vs state
47.5%Decision denial rate+28.76 pts vs state
22.9%Origination rate-39.73 pts vs state
6.99%Median rate+0.37 pts vs state
0.80Rate spread (pts)+0.45 pts vs state
$70kMedian applicant income
304Loans originated
299Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 935 | 192 | 24.3% | 7.50% | #47 |
| 2024 | 1,258 | 239 | 24.2% | 7.63% | #37 |
| 2025 | 1,326 | 304 | 22.6% | 6.99% | #39 |
What New Day Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 150 | 22 | 36 | 24.0% |
| Jackson County | 127 | 33 | 24 | 18.9% |
| Jefferson County | 55 | 7 | 10 | 18.2% |
| Pulaski County | 51 | 14 | 6 | 11.8% |
| St. Charles County | 48 | 10 | 17 | 35.4% |
| St. Louis city | 45 | 8 | 18 | 40.0% |
| Greene County | 44 | 14 | 10 | 22.7% |
| Clay County | 40 | 10 | 7 | 17.5% |
| Camden County | 33 | 10 | 4 | 12.1% |
| St. Francois County | 28 | 9 | 7 | 25.0% |
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: 1,326 applications in 2025, of which 304 were originated and 299 denied.
22.6% of all applications, or 47.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans New Day Financial originated in Missouri in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are New Day Financial'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