Freedom Bank of Southern Missouri in Missouri vs the state
4.8%Denial rate-10.26 pts vs state
5.0%Decision denial rate-13.75 pts vs state
89.1%Origination rate+26.44 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
278Loans originated
15Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 245 | 206 | 4.9% | — | #131 |
| 2024 | 298 | 260 | 4.0% | — | #124 |
| 2025 | 312 | 278 | 4.8% | — | #129 |
What Freedom Bank of Southern Missouri lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Freedom Bank of Southern Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barry County | 148 | 136 | 7 | 4.7% |
| Greene County | 44 | 40 | 0 | 0.0% |
| Lawrence County | 40 | 34 | 2 | 5.0% |
| Stone County | 18 | 17 | 0 | 0.0% |
| Christian County | 14 | 12 | 1 | 7.1% |
| Newton County | 13 | 12 | 0 | 0.0% |
| Jasper County | 7 | 5 | 0 | 0.0% |
| Vernon County | 5 | 1 | 4 | 80.0% |
| Laclede County | 4 | 4 | 0 | 0.0% |
| Webster County | 3 | 3 | 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: 312 applications in 2025, of which 278 were originated and 15 denied.
4.8% of all applications, or 5.0% 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 Freedom Bank of Southern 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