Zippy Loans in Missouri vs the state
30.6%Denial rate+15.51 pts vs state
58.2%Decision denial rate+39.47 pts vs state
21.7%Origination rate-41.01 pts vs state
8.00%Median rate+1.38 pts vs state
0.03Rate spread (pts)-0.32 pts vs state
$54kMedian applicant income
63Loans originated
89Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 249 | 52 | 43.4% | 9.90% | #140 |
| 2025 | 291 | 63 | 30.6% | 8.00% | #140 |
What Zippy Loans lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clay County | 76 | 21 | 29 | 38.2% |
| Cass County | 72 | 13 | 24 | 33.3% |
| Jefferson County | 53 | 14 | 14 | 26.4% |
| Jackson County | 18 | 7 | 4 | 22.2% |
| St. Charles County | 17 | 4 | 0 | 0.0% |
| Cape Girardeau County | 5 | 1 | 1 | 20.0% |
| Boone County | 3 | 1 | 0 | 0.0% |
| Lawrence County | 3 | 1 | 1 | 33.3% |
| Greene County | 3 | 1 | 0 | 0.0% |
| Lafayette County | 2 | 0 | 1 | 50.0% |
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: 291 applications in 2025, of which 63 were originated and 89 denied.
30.6% of all applications, or 58.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Zippy Loans originated in Missouri in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Zippy 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