Valon Mortgage in Missouri vs the state
13.3%Denial rate-1.81 pts vs state
15.9%Decision denial rate-2.82 pts vs state
57.7%Origination rate-4.95 pts vs state
8.45%Median rate+1.82 pts vs state
2.20Rate spread (pts)+1.84 pts vs state
$100kMedian applicant income
161Loans originated
37Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 13 | 10 | 15.4% | 6.69% | #461 |
| 2025 | 279 | 161 | 13.3% | 8.45% | #146 |
What Valon Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 59 | 37 | 8 | 13.6% |
| Jackson County | 50 | 29 | 4 | 8.0% |
| St. Charles County | 32 | 20 | 0 | 0.0% |
| Clay County | 19 | 12 | 5 | 26.3% |
| St. Louis city | 15 | 6 | 3 | 20.0% |
| Jefferson County | 10 | 6 | 1 | 10.0% |
| Camden County | 8 | 3 | 0 | 0.0% |
| Cass County | 7 | 4 | 3 | 42.9% |
| Greene County | 7 | 2 | 2 | 28.6% |
| Platte County | 5 | 3 | 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: 279 applications in 2025, of which 161 were originated and 37 denied.
13.3% of all applications, or 15.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Valon Mortgage originated in Missouri in 2025 was 8.45%, against a statewide median of 6.63%.
About this data. Figures are Valon 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