Hawthorn Bank in Missouri vs the state
16.4%Denial rate+1.36 pts vs state
18.1%Decision denial rate-0.64 pts vs state
73.1%Origination rate+10.48 pts vs state
6.75%Median rate+0.13 pts vs state
-0.02Rate spread (pts)-0.37 pts vs state
$93kMedian applicant income
414Loans originated
93Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,168 | 889 | 10.9% | 7.25% | #36 |
| 2024 | 618 | 404 | 15.7% | 7.19% | #75 |
| 2025 | 566 | 414 | 16.4% | 6.75% | #79 |
What Hawthorn Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Hawthorn Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 107 | 77 | 21 | 19.6% |
| Cass County | 77 | 49 | 20 | 26.0% |
| Boone County | 70 | 65 | 1 | 1.4% |
| Benton County | 68 | 47 | 17 | 25.0% |
| Cole County | 66 | 56 | 6 | 9.1% |
| Jackson County | 48 | 31 | 9 | 18.8% |
| St. Clair County | 17 | 7 | 6 | 35.3% |
| Callaway County | 15 | 12 | 1 | 6.7% |
| Clay County | 12 | 8 | 1 | 8.3% |
| Moniteau County | 9 | 6 | 1 | 11.1% |
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: 566 applications in 2025, of which 414 were originated and 93 denied.
16.4% of all applications, or 18.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Hawthorn Bank originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Hawthorn 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