Southwest Funding in Missouri vs the state
33.3%Denial rate+18.26 pts vs state
50.0%Decision denial rate+31.30 pts vs state
33.3%Origination rate-29.33 pts vs state
7.00%Median rate+0.37 pts vs state
0.76Rate spread (pts)+0.41 pts vs state
$82kMedian applicant income
4Loans originated
4Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 14 | 11.8% | 6.99% | #442 |
| 2024 | 38 | 25 | 2.6% | 7.25% | #366 |
| 2025 | 12 | 4 | 33.3% | 7.00% | #490 |
What Southwest Funding lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Southwest Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 4 | 0 | 3 | 75.0% |
| Jackson County | 4 | 3 | 0 | 0.0% |
| St. Louis city | 2 | 0 | 1 | 50.0% |
| Webster County | 1 | 0 | 0 | 0.0% |
| Polk 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: 12 applications in 2025, of which 4 were originated and 4 denied.
33.3% of all applications, or 50.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Southwest Funding originated in Missouri in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Southwest Funding'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