T2 Financial in Missouri vs the state
5.8%Denial rate-9.31 pts vs state
6.3%Decision denial rate-12.40 pts vs state
79.1%Origination rate+16.48 pts vs state
6.75%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.18 pts vs state
$116kMedian applicant income
110Loans originated
8Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 58 | 2.6% | 7.31% | #269 |
| 2024 | 122 | 93 | 3.3% | 7.13% | #221 |
| 2025 | 139 | 110 | 5.8% | 6.75% | #226 |
What T2 Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 40 | 36 | 0 | 0.0% |
| St. Louis County | 20 | 13 | 2 | 10.0% |
| St. Louis city | 19 | 16 | 1 | 5.3% |
| Boone County | 15 | 8 | 2 | 13.3% |
| Clay County | 8 | 8 | 0 | 0.0% |
| Platte County | 8 | 6 | 1 | 12.5% |
| St. Charles County | 6 | 6 | 0 | 0.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Cass County | 3 | 3 | 0 | 0.0% |
| Greene 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: 139 applications in 2025, of which 110 were originated and 8 denied.
5.8% of all applications, or 6.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans T2 Financial originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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