Royal Banks of Missouri at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
0th70.3% deniedProcesswithdrawn + incomplete share, weight 15%
16th21.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 160 | 22 | 46.3% | 74.0% | — | $6.0M |
| 2024 | 226 | 54 | 56.2% | 69.8% | — | $19M |
| 2025 | 202 | 47 | 55.0% | 70.3% | — | $23M |
What Royal Banks of Missouri lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 9 investment properties.
Who gets approved at Royal Banks of Missouri
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 6 | 78.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 2 | 89.5% |
| 25–34 | 59 | 9 | 79.6% |
| 35–44 | 36 | 6 | 76.9% |
| 45–54 | 28 | 9 | 60.9% |
| 55–64 | 34 | 10 | 64.3% |
Where Royal Banks of Missouri lends
5 states and 32 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Royal Banks of Missouri denied 70.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 0th percentile of small mortgage lenders.
In 2025, 92% of its applications were for home purchases, 8% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 44% conventional, 43% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.