North American Savings Bank in Missouri vs the state
15.0%Denial rate-0.12 pts vs state
18.6%Decision denial rate-0.10 pts vs state
65.4%Origination rate+2.76 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)-0.02 pts vs state
$91kMedian applicant income
70Loans originated
16Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 125 | 17.4% | 6.63% | #161 |
| 2024 | 132 | 86 | 13.6% | 6.88% | #217 |
| 2025 | 107 | 70 | 15.0% | 6.63% | #259 |
What North American Savings Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 52 | 34 | 5 | 9.6% |
| Clay County | 14 | 11 | 2 | 14.3% |
| Cass County | 9 | 7 | 0 | 0.0% |
| Camden County | 5 | 4 | 1 | 20.0% |
| Platte County | 5 | 2 | 2 | 40.0% |
| St. Charles County | 3 | 2 | 1 | 33.3% |
| Jasper County | 3 | 2 | 0 | 0.0% |
| Johnson County | 2 | 0 | 2 | 100.0% |
| Greene County | 2 | 2 | 0 | 0.0% |
| St. Louis County | 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: 107 applications in 2025, of which 70 were originated and 16 denied.
15.0% of all applications, or 18.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans North American Savings Bank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are North American Savings Bank'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