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Rocket Mortgage in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Rocket Mortgage's 2024 HMDA record for Missouri covers 8,657 applications, 6,468 of them originated, worth $1.2bn.
Its denial rate in the state was 18.3%, close to the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 18.2%.
The median rate spread on its Missouri originations was 0.6 percentage points (state median 0.4).
Applications in the state were up 30% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Rocket Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.3% | 19.9% | 18.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.9% | 14.1% | 17.8% | 15.6% |
| Average originated loan | $192k | $231k | $270k | $329k |
| Home purchase share | 33.3% | 58.6% | 38.0% | 57.0% |
| FHA-insured share | 24.2% | 12.8% | 18.5% | 13.4% |
| VA-guaranteed share | 8.4% | 8.2% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 33% (2,155)Home improvement 1% (53)Refinancing 11% (706)Cash-out refinancing 50% (3,244)Other purpose 5% (310)
By type
Conventional 67% (4,362)FHA 24% (1,563)VA 8% (543)
Denial reasons as coded
Share of 1,475 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,092 | 821 | $169m | 16.2% |
| Jackson County | 1,075 | 795 | $147m | 19.4% |
| St. Charles County | 646 | 504 | $121m | 14.5% |
| Greene County | 471 | 382 | $72m | 13.4% |
| Clay County | 448 | 355 | $72m | 13.8% |
| Jefferson County | 365 | 281 | $51m | 14.9% |
| St. Louis city | 281 | 196 | $40m | 20.5% |
| Cass County | 207 | 171 | $34m | 10.1% |
| Christian County | 193 | 151 | $31m | 15.4% |
| Jasper County | 199 | 148 | $24m | 18.6% |
| Platte County | 174 | 140 | $33m | 14.0% |
| Boone County | 161 | 131 | $28m | 14.9% |
| Buchanan County | 164 | 126 | $19m | 15.1% |
| Franklin County | 130 | 93 | $19m | 23.4% |
| Lincoln County | 98 | 76 | $16m | 16.3% |
| Taney County | 102 | 74 | $14m | 16.7% |
| Stone County | 94 | 73 | $18m | 18.9% |
| Camden County | 98 | 70 | $17m | 23.7% |
| Lawrence County | 95 | 68 | $11m | 24.2% |
| Cape Girardeau County | 85 | 68 | $12m | 15.9% |
| St. Francois County | 94 | 64 | $10m | 24.1% |
| Barry County | 94 | 62 | $11m | 23.2% |
| Johnson County | 83 | 58 | $11m | 19.7% |
| Warren County | 71 | 56 | $11m | 16.2% |
| Newton County | 86 | 55 | $10m | 22.7% |
| Cole County | 68 | 51 | $9.7m | 15.9% |
| Pettis County | 58 | 44 | $7.4m | 21.4% |
| Webster County | 61 | 42 | $8.8m | 26.3% |
| Pulaski County | 57 | 42 | $7.7m | 18.9% |
| Phelps County | 49 | 41 | $7.2m | 14.6% |
| Callaway County | 57 | 40 | $6.8m | 22.6% |
| Lafayette County | 47 | 40 | $6.3m | 11.1% |
| Laclede County | 58 | 38 | $6.6m | 26.4% |
| Polk County | 54 | 38 | $7.0m | 26.9% |
| Butler County | 40 | 31 | $4.9m | 16.2% |
| Andrew County | 35 | 31 | $6.9m | 6.1% |
| Clinton County | 40 | 30 | $5.4m | 13.9% |
| Adair County | 40 | 29 | $4.4m | 21.1% |
| Crawford County | 43 | 28 | $5.5m | 16.2% |
| Ray County | 40 | 26 | $5.1m | 27.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Rocket Mortgage originate in Missouri in 2024?
6,468 loans totalling $1.2bn, from 8,657 applications reported for properties in Missouri.
What is Rocket Mortgage's denial rate in Missouri?
18.3% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 18.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Missouri counties does Rocket Mortgage lend in most?
By originations: St. Louis County (821), Jackson County (795), St. Charles County (504), Greene County (382), Clay County (355).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.