Scott Credit Union in Missouri vs the state
20.3%Denial rate+5.20 pts vs state
23.1%Decision denial rate+4.35 pts vs state
67.7%Origination rate+5.04 pts vs state
6.38%Median rate-0.25 pts vs state
0.21Rate spread (pts)-0.14 pts vs state
$115kMedian applicant income
197Loans originated
59Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 146 | 35.1% | 6.63% | #118 |
| 2024 | 288 | 201 | 18.4% | 6.75% | #128 |
| 2025 | 291 | 197 | 20.3% | 6.38% | #141 |
What Scott Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Scott Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 96 | 66 | 21 | 21.9% |
| St. Charles County | 71 | 56 | 6 | 8.5% |
| St. Louis city | 39 | 24 | 11 | 28.2% |
| Jefferson County | 19 | 13 | 5 | 26.3% |
| St. Francois County | 12 | 7 | 2 | 16.7% |
| Lincoln County | 9 | 4 | 4 | 44.4% |
| Cape Girardeau County | 8 | 3 | 2 | 25.0% |
| Camden County | 7 | 4 | 1 | 14.3% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Scott County | 2 | 2 | 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: 291 applications in 2025, of which 197 were originated and 59 denied.
20.3% of all applications, or 23.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Scott Credit Union originated in Missouri in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Scott 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