United Trust Bank in Missouri vs the state
14.3%Denial rate-0.78 pts vs state
15.6%Decision denial rate-3.07 pts vs state
77.1%Origination rate+14.48 pts vs state
6.50%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.11 pts vs state
$79kMedian applicant income
27Loans originated
5Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 4 | 20.0% | 6.81% | #589 |
| 2025 | 35 | 27 | 14.3% | 6.50% | #387 |
What United Trust Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 10 | 8 | 1 | 10.0% |
| Greene County | 5 | 4 | 1 | 20.0% |
| St. Louis County | 4 | 4 | 0 | 0.0% |
| Cape Girardeau County | 4 | 1 | 2 | 50.0% |
| St. Charles County | 3 | 3 | 0 | 0.0% |
| St. Louis city | 2 | 2 | 0 | 0.0% |
| Callaway County | 2 | 1 | 1 | 50.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Phelps County | 1 | 0 | 0 | 0.0% |
| Adair 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: 35 applications in 2025, of which 27 were originated and 5 denied.
14.3% of all applications, or 15.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans United Trust Bank originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United Trust Bank'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