BOKF in Missouri vs the state
18.3%Denial rate+3.18 pts vs state
23.4%Decision denial rate+4.65 pts vs state
58.3%Origination rate-4.33 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.02 pts vs state
$108kMedian applicant income
147Loans originated
46Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 125 | 45.5% | 6.88% | #112 |
| 2024 | 233 | 117 | 33.9% | 7.00% | #150 |
| 2025 | 252 | 147 | 18.3% | 6.63% | #157 |
What BOKF lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most BOKF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 131 | 76 | 26 | 19.8% |
| Clay County | 30 | 22 | 3 | 10.0% |
| St. Louis County | 11 | 6 | 0 | 0.0% |
| Cass County | 11 | 7 | 3 | 27.3% |
| McDonald County | 10 | 4 | 2 | 20.0% |
| Platte County | 9 | 5 | 3 | 33.3% |
| Greene County | 6 | 5 | 0 | 0.0% |
| Jasper County | 5 | 0 | 1 | 20.0% |
| Christian County | 5 | 3 | 2 | 40.0% |
| Buchanan County | 5 | 4 | 1 | 20.0% |
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: 252 applications in 2025, of which 147 were originated and 46 denied.
18.3% of all applications, or 23.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans BOKF originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are BOKF'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