Waterstone Mortgage in Missouri vs the state
1.9%Denial rate-13.21 pts vs state
2.5%Decision denial rate-16.21 pts vs state
73.0%Origination rate+10.32 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.05 pts vs state
$88kMedian applicant income
235Loans originated
6Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 180 | 4.1% | 6.75% | #132 |
| 2024 | 250 | 185 | 3.6% | 6.63% | #139 |
| 2025 | 322 | 235 | 1.9% | 6.63% | #126 |
What Waterstone Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Waterstone Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 177 | 136 | 2 | 1.1% |
| Clay County | 41 | 28 | 1 | 2.4% |
| Cass County | 26 | 21 | 0 | 0.0% |
| Platte County | 21 | 16 | 0 | 0.0% |
| Lafayette County | 12 | 9 | 0 | 0.0% |
| Buchanan County | 8 | 4 | 1 | 12.5% |
| Bates County | 5 | 1 | 1 | 20.0% |
| Taney County | 4 | 3 | 0 | 0.0% |
| Stone County | 3 | 3 | 0 | 0.0% |
| Clinton County | 3 | 2 | 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: 322 applications in 2025, of which 235 were originated and 6 denied.
1.9% of all applications, or 2.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Waterstone Mortgage originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Waterstone 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