Royal United Mortgage in Missouri vs the state
17.5%Denial rate+2.47 pts vs state
21.4%Decision denial rate+2.67 pts vs state
63.9%Origination rate+1.20 pts vs state
6.75%Median rate+0.13 pts vs state
1.11Rate spread (pts)+0.76 pts vs state
$45kMedian applicant income
182Loans originated
50Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 275 | 173 | 21.5% | 7.00% | #119 |
| 2024 | 328 | 201 | 26.8% | 6.88% | #120 |
| 2025 | 285 | 182 | 17.5% | 6.75% | #145 |
What Royal United Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 40 | 31 | 6 | 15.0% |
| Jackson County | 33 | 26 | 4 | 12.1% |
| Greene County | 17 | 11 | 2 | 11.8% |
| Jefferson County | 16 | 10 | 4 | 25.0% |
| St. Louis city | 13 | 5 | 5 | 38.5% |
| Buchanan County | 9 | 5 | 1 | 11.1% |
| St. Charles County | 8 | 4 | 3 | 37.5% |
| St. Francois County | 6 | 4 | 0 | 0.0% |
| Clay County | 6 | 3 | 1 | 16.7% |
| Henry County | 5 | 5 | 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: 285 applications in 2025, of which 182 were originated and 50 denied.
17.5% of all applications, or 21.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Royal United Mortgage originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Royal United Mortgage'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