United Shore Financial Services in Missouri vs the state
8.0%Denial rate-7.08 pts vs state
9.0%Decision denial rate-9.70 pts vs state
79.6%Origination rate+16.89 pts vs state
6.55%Median rate-0.07 pts vs state
0.20Rate spread (pts)-0.15 pts vs state
$87kMedian applicant income
5,338Loans originated
536Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,572 | 3,593 | 8.0% | 6.98% | #9 |
| 2024 | 5,556 | 4,397 | 8.4% | 6.75% | #7 |
| 2025 | 6,710 | 5,338 | 8.0% | 6.55% | #6 |
What United Shore Financial Services lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,499 | 1,197 | 114 | 7.6% |
| Jackson County | 953 | 750 | 83 | 8.7% |
| St. Charles County | 649 | 554 | 40 | 6.2% |
| Jefferson County | 427 | 347 | 30 | 7.0% |
| Clay County | 380 | 311 | 25 | 6.6% |
| St. Louis city | 284 | 211 | 26 | 9.2% |
| Greene County | 276 | 215 | 23 | 8.3% |
| Boone County | 170 | 127 | 21 | 12.4% |
| Cole County | 162 | 145 | 6 | 3.7% |
| Cass County | 149 | 126 | 11 | 7.4% |
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% |
| 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% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 6,710 applications in 2025, of which 5,338 were originated and 536 denied.
8.0% 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 United Shore Financial Services originated in Missouri in 2025 was 6.55%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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