Stifel Bank and Trust in Missouri vs the state
2.3%Denial rate-12.75 pts vs state
2.5%Decision denial rate-16.16 pts vs state
88.4%Origination rate+25.73 pts vs state
6.38%Median rate-0.25 pts vs state
-0.01Rate spread (pts)-0.36 pts vs state
$147kMedian applicant income
1,522Loans originated
40Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,491 | 1,299 | 1.6% | 6.50% | #29 |
| 2024 | 1,591 | 1,404 | 1.6% | 6.50% | #30 |
| 2025 | 1,722 | 1,522 | 2.3% | 6.38% | #33 |
What Stifel Bank and Trust lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 872 | 774 | 26 | 3.0% |
| St. Charles County | 394 | 351 | 7 | 1.8% |
| St. Louis city | 194 | 169 | 2 | 1.0% |
| Jefferson County | 91 | 79 | 1 | 1.1% |
| Franklin County | 33 | 28 | 1 | 3.0% |
| Warren County | 29 | 26 | 1 | 3.4% |
| Lincoln County | 27 | 23 | 1 | 3.7% |
| Camden County | 25 | 23 | 0 | 0.0% |
| Jackson County | 9 | 9 | 0 | 0.0% |
| Boone County | 7 | 7 | 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: 1,722 applications in 2025, of which 1,522 were originated and 40 denied.
2.3% of all applications, or 2.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Stifel Bank and Trust originated in Missouri in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Stifel Bank and Trust'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