RCN Capital in Missouri vs the state
31.2%Denial rate+16.11 pts vs state
31.5%Decision denial rate+12.78 pts vs state
67.9%Origination rate+5.21 pts vs state
7.46%Median rate+0.83 pts vs state
—Rate spread (pts)
—Median applicant income
357Loans originated
164Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 394 | 200 | 10.4% | 8.01% | #91 |
| 2024 | 459 | 292 | 13.1% | 7.80% | #88 |
| 2025 | 526 | 357 | 31.2% | 7.46% | #88 |
What RCN Capital lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
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: 526 applications in 2025, of which 357 were originated and 164 denied.
31.2% of all applications, or 31.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans RCN Capital originated in Missouri in 2025 was 7.46%, against a statewide median of 6.63%.
About this data. Figures are RCN Capital'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