Village Capital & Investment in Missouri vs the state
12.0%Denial rate-3.12 pts vs state
14.8%Decision denial rate-3.95 pts vs state
47.0%Origination rate-15.67 pts vs state
5.99%Median rate-0.63 pts vs state
—Rate spread (pts)
$77kMedian applicant income
413Loans originated
105Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 394 | 92 | 17.0% | 6.00% | #90 |
| 2024 | 921 | 388 | 8.9% | 5.75% | #50 |
| 2025 | 879 | 413 | 12.0% | 5.99% | #59 |
What Village Capital & Investment lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 84 | 35 | 10 | 11.9% |
| Jackson County | 76 | 29 | 12 | 15.8% |
| Greene County | 64 | 36 | 7 | 10.9% |
| Jefferson County | 51 | 28 | 4 | 7.8% |
| Pulaski County | 41 | 26 | 4 | 9.8% |
| St. Charles County | 40 | 19 | 6 | 15.0% |
| Cass County | 28 | 11 | 4 | 14.3% |
| Clay County | 27 | 7 | 1 | 3.7% |
| Boone County | 22 | 6 | 0 | 0.0% |
| Jasper County | 22 | 12 | 2 | 9.1% |
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: 879 applications in 2025, of which 413 were originated and 105 denied.
12.0% of all applications, or 14.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Village Capital & Investment originated in Missouri in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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