Royal Banks of Missouri in Missouri vs the state
54.1%Denial rate+39.07 pts vs state
68.6%Decision denial rate+49.85 pts vs state
24.8%Origination rate-37.82 pts vs state
—Median rate
—Rate spread (pts)
$61kMedian applicant income
39Loans originated
85Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 15 | 47.9% | — | #213 |
| 2024 | 170 | 35 | 60.6% | — | #187 |
| 2025 | 157 | 39 | 54.1% | — | #217 |
What Royal Banks of Missouri lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Royal Banks of Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 20 | 17 | 1 | 5.0% |
| St. Charles County | 8 | 7 | 1 | 12.5% |
| Jefferson County | 6 | 4 | 2 | 33.3% |
| Gasconade County | 3 | 1 | 1 | 33.3% |
| Pike County | 3 | 2 | 1 | 33.3% |
| Franklin County | 3 | 2 | 0 | 0.0% |
| Washington County | 2 | 0 | 2 | 100.0% |
| Ralls County | 2 | 0 | 1 | 50.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Lewis County | 1 | 1 | 0 | 0.0% |
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: 157 applications in 2025, of which 39 were originated and 85 denied.
54.1% of all applications, or 68.6% 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 Royal Banks of Missouri'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