Union Home Mortgage in Missouri vs the state
7.7%Denial rate-7.38 pts vs state
9.0%Decision denial rate-9.70 pts vs state
76.1%Origination rate+13.44 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)-0.07 pts vs state
$114kMedian applicant income
277Loans originated
28Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 160 | 5.9% | 7.00% | #150 |
| 2024 | 254 | 177 | 7.5% | 6.63% | #137 |
| 2025 | 364 | 277 | 7.7% | 6.50% | #121 |
What Union Home Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 80 | 68 | 3 | 3.8% |
| St. Louis County | 50 | 38 | 5 | 10.0% |
| Clay County | 31 | 26 | 1 | 3.2% |
| Cass County | 20 | 12 | 2 | 10.0% |
| St. Charles County | 18 | 13 | 4 | 22.2% |
| Ray County | 15 | 11 | 1 | 6.7% |
| Boone County | 14 | 10 | 1 | 7.1% |
| Greene County | 13 | 11 | 0 | 0.0% |
| Platte County | 13 | 11 | 0 | 0.0% |
| Jefferson County | 13 | 9 | 2 | 15.4% |
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: 364 applications in 2025, of which 277 were originated and 28 denied.
7.7% of all applications, or 9.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Union Home Mortgage originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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