OCMBC in Missouri vs the state
13.9%Denial rate-1.21 pts vs state
16.7%Decision denial rate-2.03 pts vs state
53.5%Origination rate-9.19 pts vs state
7.25%Median rate+0.63 pts vs state
1.28Rate spread (pts)+0.93 pts vs state
$142kMedian applicant income
108Loans originated
28Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 44 | 23.2% | 8.56% | #244 |
| 2024 | 145 | 69 | 20.0% | 7.81% | #207 |
| 2025 | 202 | 108 | 13.9% | 7.25% | #184 |
What OCMBC lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 54 | 33 | 8 | 14.8% |
| St. Louis County | 36 | 13 | 8 | 22.2% |
| St. Louis city | 28 | 12 | 3 | 10.7% |
| Cass County | 15 | 10 | 1 | 6.7% |
| Greene County | 7 | 6 | 1 | 14.3% |
| St. Charles County | 7 | 5 | 1 | 14.3% |
| Jasper County | 6 | 0 | 1 | 16.7% |
| Buchanan County | 5 | 3 | 1 | 20.0% |
| Clay County | 5 | 3 | 0 | 0.0% |
| Platte County | 5 | 2 | 1 | 20.0% |
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: 202 applications in 2025, of which 108 were originated and 28 denied.
13.9% of all applications, or 16.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans OCMBC originated in Missouri in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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