River Region Credit Union in Missouri vs the state
7.1%Denial rate-7.93 pts vs state
7.3%Decision denial rate-11.42 pts vs state
79.7%Origination rate+17.07 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
1,184Loans originated
106Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 753 | 602 | 8.8% | — | #58 |
| 2024 | 882 | 688 | 9.5% | — | #53 |
| 2025 | 1,485 | 1,184 | 7.1% | — | #35 |
What River Region Credit Union lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most River Region Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 485 | 402 | 24 | 4.9% |
| Cole County | 327 | 278 | 20 | 6.1% |
| Greene County | 148 | 114 | 12 | 8.1% |
| Callaway County | 104 | 76 | 10 | 9.6% |
| Moniteau County | 38 | 33 | 3 | 7.9% |
| Christian County | 35 | 25 | 5 | 14.3% |
| Miller County | 33 | 25 | 5 | 15.2% |
| Osage County | 29 | 22 | 3 | 10.3% |
| Cooper County | 25 | 16 | 1 | 4.0% |
| Camden County | 19 | 17 | 1 | 5.3% |
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: 1,485 applications in 2025, of which 1,184 were originated and 106 denied.
7.1% of all applications, or 7.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are River Region 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