2025 · Missouri
In 2025, 14,413 investment-property loans worth $2.7B were originated on single-family 1-4 unit homes in Missouri. Here's how those terms compared to the rest of the country.
Investor rate premium
88 bps
U.S. median: 76 bps
Denial rate
11.5%
U.S. median: 17.5%
DSCR / business-purpose
65%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Missouri
Rate premium
113 bps → 88 bps
-25 bpsInvestor loans
12,962 → 14,413
+11.2%Denial rate
9.9% → 11.5%
+1.6 ptsDSCR / business-purpose
64% → 65%
+1.2 ptsInvestors in Missouri borrowed at a median rate of 7.375%, versus 6.5% for owner-occupants — a 88 bps premium that ranks 13th of 51 states.
Their applications were denied 11.5% of the time. The leading reasons for denial were collateral, other, debt-to-income ratio.
65% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 13% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Missouri carried a rate of 7.375% versus 6.5% for an owner-occupant — a premium of 88 bps. That ranks 13th of 51 states (1 = highest premium).
11.5% of investment-property applications were denied in Missouri in 2025, the 42nd-highest denial rate among the 51 states. The most common denial reasons were collateral, other, debt-to-income ratio.
65% of investor loans in Missouri were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (38th of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.