Sierra Pacific Mortgage Company in Missouri vs the state
14.9%Denial rate-0.13 pts vs state
19.1%Decision denial rate+0.42 pts vs state
63.2%Origination rate+0.56 pts vs state
6.75%Median rate+0.13 pts vs state
0.25Rate spread (pts)-0.10 pts vs state
$105kMedian applicant income
55Loans originated
13Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 60 | 10.4% | 6.88% | #267 |
| 2024 | 105 | 67 | 9.5% | 6.99% | #242 |
| 2025 | 87 | 55 | 14.9% | 6.75% | #285 |
What Sierra Pacific Mortgage Company lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 48 | 31 | 6 | 12.5% |
| Clay County | 12 | 9 | 2 | 16.7% |
| St. Charles County | 4 | 4 | 0 | 0.0% |
| Cass County | 4 | 3 | 0 | 0.0% |
| Platte County | 4 | 2 | 1 | 25.0% |
| Webster County | 2 | 1 | 1 | 50.0% |
| Buchanan County | 2 | 1 | 0 | 0.0% |
| Ray County | 2 | 0 | 1 | 50.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 1 | 100.0% |
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: 87 applications in 2025, of which 55 were originated and 13 denied.
14.9% of all applications, or 19.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Sierra Pacific Mortgage Company originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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