Missouri’s FHA denial rate in 2025 was 20.1% across 25,386 decisioned applications — ranking #40 of 52 states. Among high-volume lenders, the lowest observed denial rate was Flat Branch Mortgage, Inc. at 1.5%; the highest was Amerisave Mortgage Company at 78.8%. The institutional spread inside Missouri is 52.5×: the same FHA application faces a 1.5% observed denial rate at one high-volume door and 78.8% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Missouri FHA apps | Denial rate |
|---|---|---|
| Flat Branch Mortgage, Inc. | 1,776 | 1.5% |
| Das Acquisition Company, LLC | 954 | 4.8% |
| Guild Mortgage Company | 1,300 | 6.0% |
| Fairway Independent Mort Corp | 560 | 7.5% |
| Leaderone Financial Corp. | 510 | 11.2% |
| Gershman Investment Corp. | 479 | 14.2% |
| United Wholesale Mortgage | 1,149 | 16.4% |
| Freedom Mortgage Corporation | 1,134 | 18.2% |
| Pennymac Loan Services LLC | 1,077 | 18.3% |
| New American Funding, LLC. | 885 | 25.0% |
| Rocket Mortgage | 2,166 | 29.5% |
| Loandepot.Com LLC | 574 | 43.4% |
| Newrez LLC | 479 | 51.8% |
| Carrington Mortgage Services LLC | 422 | 52.1% |
| Amerisave Mortgage Company | 789 | 78.8% |
Applications under $150K were denied 32.2% of the time versus 14.4% for loans of $250K+ — a 2.2× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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