Sofi Bank in Missouri vs the state
9.3%Denial rate-5.78 pts vs state
21.4%Decision denial rate+2.71 pts vs state
33.6%Origination rate-29.08 pts vs state
7.57%Median rate+0.94 pts vs state
1.64Rate spread (pts)+1.29 pts vs state
$115kMedian applicant income
318Loans originated
88Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 40 | 25.0% | 6.75% | #208 |
| 2024 | 248 | 102 | 16.5% | 6.93% | #142 |
| 2025 | 947 | 318 | 9.3% | 7.57% | #54 |
What Sofi Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 191 | 75 | 18 | 9.4% |
| Jackson County | 120 | 40 | 9 | 7.5% |
| St. Charles County | 100 | 31 | 9 | 9.0% |
| Clay County | 63 | 26 | 3 | 4.8% |
| St. Louis city | 41 | 16 | 6 | 14.6% |
| Greene County | 38 | 10 | 4 | 10.5% |
| Jefferson County | 32 | 12 | 2 | 6.3% |
| Boone County | 28 | 9 | 2 | 7.1% |
| Platte County | 24 | 12 | 0 | 0.0% |
| Christian County | 23 | 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: 947 applications in 2025, of which 318 were originated and 88 denied.
9.3% 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 Sofi Bank originated in Missouri in 2025 was 7.57%, against a statewide median of 6.63%.
About this data. Figures are Sofi Bank'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