Planet Home Lending in Missouri vs the state
18.4%Denial rate+3.30 pts vs state
18.7%Decision denial rate-0.02 pts vs state
78.5%Origination rate+15.84 pts vs state
5.99%Median rate-0.63 pts vs state
0.14Rate spread (pts)-0.21 pts vs state
$82kMedian applicant income
376Loans originated
88Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 132 | 28.3% | 6.50% | #154 |
| 2024 | 332 | 253 | 17.5% | 6.25% | #119 |
| 2025 | 479 | 376 | 18.4% | 5.99% | #94 |
What Planet Home Lending lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 48 | 35 | 11 | 22.9% |
| Jackson County | 43 | 38 | 5 | 11.6% |
| Jefferson County | 31 | 27 | 4 | 12.9% |
| St. Charles County | 27 | 24 | 2 | 7.4% |
| Clay County | 24 | 16 | 6 | 25.0% |
| Greene County | 19 | 16 | 3 | 15.8% |
| Jasper County | 19 | 14 | 3 | 15.8% |
| Lincoln County | 14 | 10 | 2 | 14.3% |
| Christian County | 14 | 11 | 3 | 21.4% |
| Pulaski County | 13 | 12 | 0 | 0.0% |
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: 479 applications in 2025, of which 376 were originated and 88 denied.
18.4% of all applications, or 18.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Planet Home Lending originated in Missouri in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Planet Home Lending'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