Mid-Missouri Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
85th2.7% deniedProcesswithdrawn + incomplete share, weight 15%
53rd10.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 365 | 308 | 5.8% | 6.3% | — | $67M |
| 2024 | 405 | 343 | 4.2% | 4.7% | — | $83M |
| 2025 | 451 | 388 | 2.4% | 2.7% | — | $94M |
What Mid-Missouri Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 16 manufactured homes, 93 investment properties.
Who gets approved at Mid-Missouri Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 61 | 49 | 10.9% |
| $50k – $100k | 150 | 123 | 2.4% |
| $100k – $150k | 92 | 83 | 1.2% |
| $150k – $250k | 61 | 55 | 1.8% |
| Over $250k | 35 | 27 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 17 | 5.6% |
| 25–34 | 106 | 92 | 3.2% |
| 35–44 | 82 | 73 | 1.3% |
| 45–54 | 91 | 76 | 1.3% |
| 55–64 | 58 | 47 | 6.0% |
| 65–74 | 32 | 26 | 3.7% |
Where Mid-Missouri Bank lends
7 states and 38 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 441 | 382 | 2.3% | — | #102 |
Frequently asked questions
Mid-Missouri Bank denied 2.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of small mortgage lenders.
In 2025, 68% of its applications were for home purchases, 29% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 97% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.