Exchange Bank of Missouri in Missouri vs the state
7.5%Denial rate-7.58 pts vs state
8.1%Decision denial rate-10.57 pts vs state
84.6%Origination rate+21.92 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
192Loans originated
17Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 139 | 9.9% | — | #182 |
| 2024 | 123 | 104 | 10.6% | — | #220 |
| 2025 | 227 | 192 | 7.5% | — | #168 |
What Exchange Bank of Missouri lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Exchange Bank of Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 56 | 50 | 1 | 1.8% |
| Howard County | 54 | 46 | 6 | 11.1% |
| Saline County | 41 | 31 | 4 | 9.8% |
| Callaway County | 19 | 17 | 0 | 0.0% |
| Cooper County | 15 | 10 | 3 | 20.0% |
| Randolph County | 14 | 13 | 0 | 0.0% |
| Morgan County | 4 | 3 | 1 | 25.0% |
| St. Louis County | 3 | 3 | 0 | 0.0% |
| Lafayette County | 3 | 2 | 1 | 33.3% |
| Cole County | 2 | 2 | 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: 227 applications in 2025, of which 192 were originated and 17 denied.
7.5% of all applications, or 8.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Exchange Bank of Missouri'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