BMO Bank in Missouri vs the state
31.3%Denial rate+16.22 pts vs state
37.8%Decision denial rate+19.08 pts vs state
49.7%Origination rate-12.97 pts vs state
8.48%Median rate+1.86 pts vs state
1.28Rate spread (pts)+0.92 pts vs state
$96kMedian applicant income
324Loans originated
204Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 613 | 302 | 32.8% | 8.19% | #63 |
| 2024 | 592 | 271 | 31.1% | 8.95% | #77 |
| 2025 | 652 | 324 | 31.3% | 8.48% | #75 |
What BMO Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 199 | 114 | 51 | 25.6% |
| Jackson County | 161 | 79 | 54 | 33.5% |
| St. Louis city | 66 | 26 | 20 | 30.3% |
| Clay County | 47 | 24 | 16 | 34.0% |
| St. Charles County | 43 | 25 | 13 | 30.2% |
| Cass County | 27 | 12 | 7 | 25.9% |
| Jefferson County | 22 | 12 | 6 | 27.3% |
| Platte County | 14 | 6 | 5 | 35.7% |
| Buchanan County | 9 | 5 | 3 | 33.3% |
| Boone County | 6 | 3 | 1 | 16.7% |
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: 652 applications in 2025, of which 324 were originated and 204 denied.
31.3% of all applications, or 37.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans BMO Bank originated in Missouri in 2025 was 8.48%, against a statewide median of 6.63%.
About this data. Figures are BMO 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