PHH Mortgage in Missouri vs the state
9.6%Denial rate-5.45 pts vs state
19.5%Decision denial rate+0.81 pts vs state
39.2%Origination rate-23.48 pts vs state
6.49%Median rate-0.13 pts vs state
0.35Rate spread (pts)-0.01 pts vs state
$78kMedian applicant income
163Loans originated
40Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 57 | 25.3% | 6.99% | #178 |
| 2024 | 279 | 87 | 16.9% | 6.75% | #131 |
| 2025 | 416 | 163 | 9.6% | 6.49% | #109 |
What PHH Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 70 | 27 | 6 | 8.6% |
| Jackson County | 68 | 22 | 7 | 10.3% |
| Clay County | 31 | 14 | 5 | 16.1% |
| St. Charles County | 30 | 13 | 3 | 10.0% |
| St. Louis city | 21 | 10 | 3 | 14.3% |
| Jefferson County | 19 | 6 | 1 | 5.3% |
| Greene County | 15 | 7 | 0 | 0.0% |
| Lincoln County | 7 | 2 | 1 | 14.3% |
| Johnson County | 7 | 3 | 1 | 14.3% |
| Newton County | 7 | 3 | 1 | 14.3% |
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: 416 applications in 2025, of which 163 were originated and 40 denied.
9.6% of all applications, or 19.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans PHH Mortgage originated in Missouri in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are PHH Mortgage'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