Focus Bank in Missouri vs the state
22.7%Denial rate+7.66 pts vs state
24.4%Decision denial rate+5.69 pts vs state
68.2%Origination rate+5.52 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
60Loans originated
20Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 56 | 24.7% | — | #261 |
| 2024 | 71 | 56 | 12.7% | — | #282 |
| 2025 | 88 | 60 | 22.7% | — | #284 |
What Focus Bank lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Focus Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 31 | 18 | 7 | 22.6% |
| Mississippi County | 19 | 11 | 8 | 42.1% |
| New Madrid County | 11 | 9 | 1 | 9.1% |
| Dunklin County | 5 | 4 | 1 | 20.0% |
| Cape Girardeau County | 5 | 4 | 1 | 20.0% |
| Pemiscot County | 5 | 3 | 2 | 40.0% |
| Stoddard County | 4 | 4 | 0 | 0.0% |
| St. Louis city | 3 | 3 | 0 | 0.0% |
| Butler County | 2 | 2 | 0 | 0.0% |
| Boone County | 1 | 0 | 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: 88 applications in 2025, of which 60 were originated and 20 denied.
22.7% of all applications, or 24.4% 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 Focus 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