Bank of America in Missouri vs the state
30.0%Denial rate+14.96 pts vs state
40.4%Decision denial rate+21.74 pts vs state
43.6%Origination rate-19.07 pts vs state
6.24%Median rate-0.38 pts vs state
1.64Rate spread (pts)+1.29 pts vs state
$94kMedian applicant income
1,520Loans originated
1,047Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,757 | 1,509 | 42.9% | 7.49% | #13 |
| 2024 | 3,644 | 1,535 | 32.7% | 6.99% | #14 |
| 2025 | 3,487 | 1,520 | 30.0% | 6.24% | #15 |
What Bank of America lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,185 | 585 | 302 | 25.5% |
| Jackson County | 521 | 204 | 164 | 31.5% |
| St. Charles County | 389 | 185 | 112 | 28.8% |
| St. Louis city | 218 | 92 | 75 | 34.4% |
| Clay County | 213 | 87 | 58 | 27.2% |
| Jefferson County | 197 | 97 | 57 | 28.9% |
| Greene County | 127 | 40 | 50 | 39.4% |
| Platte County | 86 | 32 | 31 | 36.0% |
| Cass County | 68 | 26 | 26 | 38.2% |
| Boone County | 56 | 29 | 12 | 21.4% |
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: 3,487 applications in 2025, of which 1,520 were originated and 1,047 denied.
30.0% of all applications, or 40.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bank of America originated in Missouri in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are Bank of America'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