NexBank in Missouri vs the state
13.6%Denial rate-1.48 pts vs state
15.2%Decision denial rate-3.48 pts vs state
73.8%Origination rate+11.13 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)-0.04 pts vs state
$105kMedian applicant income
76Loans originated
14Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 29 | 5.4% | 6.75% | #363 |
| 2024 | 121 | 101 | 5.8% | 6.88% | #224 |
| 2025 | 103 | 76 | 13.6% | 6.63% | #261 |
What NexBank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most NexBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 37 | 28 | 4 | 10.8% |
| Cass County | 11 | 10 | 0 | 0.0% |
| St. Louis County | 8 | 4 | 3 | 37.5% |
| St. Charles County | 8 | 7 | 0 | 0.0% |
| Clay County | 6 | 6 | 0 | 0.0% |
| Cole County | 4 | 1 | 3 | 75.0% |
| Camden County | 3 | 2 | 0 | 0.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Ray County | 2 | 2 | 0 | 0.0% |
| St. Louis city | 2 | 1 | 1 | 50.0% |
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: 103 applications in 2025, of which 76 were originated and 14 denied.
13.6% of all applications, or 15.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans NexBank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are NexBank'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