Bison State Bank in Missouri vs the state
1.3%Denial rate-13.79 pts vs state
2.0%Decision denial rate-16.70 pts vs state
62.8%Origination rate+0.16 pts vs state
6.50%Median rate-0.13 pts vs state
-0.01Rate spread (pts)-0.36 pts vs state
$136kMedian applicant income
49Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 29 | 16.4% | 6.99% | #312 |
| 2024 | 35 | 22 | 5.7% | — | #380 |
| 2025 | 78 | 49 | 1.3% | 6.50% | #298 |
What Bison State Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bison State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 31 | 17 | 0 | 0.0% |
| Clay County | 8 | 5 | 0 | 0.0% |
| St. Charles County | 7 | 5 | 0 | 0.0% |
| St. Louis County | 6 | 5 | 0 | 0.0% |
| Platte County | 5 | 2 | 0 | 0.0% |
| Cass County | 4 | 1 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Cole County | 2 | 1 | 0 | 0.0% |
| Warren County | 1 | 1 | 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: 78 applications in 2025, of which 49 were originated and 1 denied.
1.3% of all applications, or 2.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bison State Bank originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bison State 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