Primary Residential Mortgage in Missouri vs the state
12.1%Denial rate-3.00 pts vs state
22.6%Decision denial rate+3.88 pts vs state
41.4%Origination rate-21.28 pts vs state
6.63%Median rate0.00 pts vs state
0.64Rate spread (pts)+0.29 pts vs state
$77kMedian applicant income
24Loans originated
7Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 30 | 11.3% | 7.25% | #304 |
| 2024 | 122 | 52 | 11.5% | 6.99% | #223 |
| 2025 | 58 | 24 | 12.1% | 6.63% | #331 |
What Primary Residential Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 16 | 8 | 2 | 12.5% |
| St. Louis County | 8 | 2 | 0 | 0.0% |
| Clay County | 5 | 2 | 3 | 60.0% |
| Cass County | 4 | 4 | 0 | 0.0% |
| St. Charles County | 2 | 2 | 0 | 0.0% |
| St. Louis city | 2 | 1 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Butler County | 1 | 0 | 0 | 0.0% |
| Andrew County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 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: 58 applications in 2025, of which 24 were originated and 7 denied.
12.1% of all applications, or 22.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Primary Residential Mortgage originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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