Bell Bank in Missouri vs the state
7.0%Denial rate-8.12 pts vs state
8.6%Decision denial rate-10.14 pts vs state
74.0%Origination rate+11.38 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)-0.05 pts vs state
$112kMedian applicant income
405Loans originated
38Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 269 | 2.7% | 6.88% | #95 |
| 2024 | 480 | 350 | 5.2% | 6.75% | #83 |
| 2025 | 547 | 405 | 7.0% | 6.50% | #84 |
What Bell Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 142 | 99 | 8 | 5.6% |
| St. Louis County | 80 | 59 | 10 | 12.5% |
| Boone County | 80 | 52 | 5 | 6.3% |
| St. Charles County | 58 | 49 | 2 | 3.4% |
| Clay County | 33 | 25 | 2 | 6.1% |
| Cass County | 26 | 20 | 3 | 11.5% |
| St. Louis city | 19 | 17 | 0 | 0.0% |
| Platte County | 16 | 14 | 0 | 0.0% |
| Jefferson County | 15 | 10 | 3 | 20.0% |
| Lincoln County | 8 | 7 | 0 | 0.0% |
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: 547 applications in 2025, of which 405 were originated and 38 denied.
7.0% of all applications, or 8.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bell Bank originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bell Bank'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