Zillow Home Loans in Missouri vs the state
5.6%Denial rate-9.51 pts vs state
7.2%Decision denial rate-11.50 pts vs state
71.1%Origination rate+8.39 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.14 pts vs state
$82kMedian applicant income
243Loans originated
19Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 114 | 4.9% | 6.75% | #181 |
| 2024 | 200 | 154 | 4.5% | 6.75% | #165 |
| 2025 | 342 | 243 | 5.6% | 6.63% | #124 |
What Zillow Home Loans lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 65 | 49 | 5 | 7.7% |
| Jackson County | 54 | 38 | 5 | 9.3% |
| St. Louis city | 38 | 22 | 1 | 2.6% |
| St. Charles County | 21 | 19 | 0 | 0.0% |
| Jefferson County | 14 | 9 | 1 | 7.1% |
| Clay County | 13 | 10 | 1 | 7.7% |
| Greene County | 9 | 7 | 0 | 0.0% |
| Cass County | 7 | 4 | 0 | 0.0% |
| Franklin County | 6 | 4 | 1 | 16.7% |
| Lawrence County | 5 | 5 | 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: 342 applications in 2025, of which 243 were originated and 19 denied.
5.6% of all applications, or 7.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Zillow Home Loans originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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