Prosperity Home Mortgage in Missouri vs the state
6.7%Denial rate-8.41 pts vs state
8.7%Decision denial rate-9.98 pts vs state
69.4%Origination rate+6.71 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.21 pts vs state
$91kMedian applicant income
625Loans originated
60Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 906 | 633 | 6.2% | 6.88% | #49 |
| 2024 | 916 | 641 | 8.4% | 6.63% | #51 |
| 2025 | 901 | 625 | 6.7% | 6.50% | #57 |
What Prosperity Home Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 368 | 276 | 17 | 4.6% |
| Clay County | 116 | 83 | 5 | 4.3% |
| St. Louis County | 84 | 53 | 6 | 7.1% |
| Cass County | 79 | 61 | 4 | 5.1% |
| St. Charles County | 35 | 20 | 4 | 11.4% |
| Platte County | 23 | 16 | 0 | 0.0% |
| St. Louis city | 19 | 11 | 2 | 10.5% |
| Greene County | 17 | 8 | 4 | 23.5% |
| Jefferson County | 16 | 11 | 0 | 0.0% |
| Johnson County | 15 | 12 | 1 | 6.7% |
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: 901 applications in 2025, of which 625 were originated and 60 denied.
6.7% of all applications, or 8.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Prosperity Home Mortgage originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Prosperity Home 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