Quorum Federal Credit Union in Missouri vs the state
25.8%Denial rate+10.76 pts vs state
27.3%Decision denial rate+8.57 pts vs state
50.3%Origination rate-12.33 pts vs state
8.81%Median rate+2.19 pts vs state
1.64Rate spread (pts)+1.29 pts vs state
$128kMedian applicant income
76Loans originated
39Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 7 | 60.0% | 9.75% | #397 |
| 2024 | 73 | 42 | 27.4% | 9.93% | #280 |
| 2025 | 151 | 76 | 25.8% | 8.81% | #220 |
What Quorum Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Quorum Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 35 | 22 | 7 | 20.0% |
| St. Charles County | 27 | 16 | 6 | 22.2% |
| Jackson County | 19 | 5 | 6 | 31.6% |
| Jefferson County | 9 | 5 | 1 | 11.1% |
| St. Louis city | 8 | 4 | 3 | 37.5% |
| Cass County | 7 | 4 | 2 | 28.6% |
| Clay County | 6 | 4 | 0 | 0.0% |
| Camden County | 5 | 5 | 0 | 0.0% |
| Boone County | 4 | 2 | 2 | 50.0% |
| Franklin County | 3 | 1 | 1 | 33.3% |
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: 151 applications in 2025, of which 76 were originated and 39 denied.
25.8% of all applications, or 27.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Quorum Federal Credit Union originated in Missouri in 2025 was 8.81%, against a statewide median of 6.63%.
About this data. Figures are Quorum Federal Credit Union'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