Midland States Bank in Missouri vs the state
19.9%Denial rate+4.82 pts vs state
22.9%Decision denial rate+4.23 pts vs state
64.1%Origination rate+1.43 pts vs state
6.13%Median rate-0.50 pts vs state
-0.19Rate spread (pts)-0.54 pts vs state
$93kMedian applicant income
116Loans originated
36Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 104 | 23.1% | 4.75% | #175 |
| 2024 | 224 | 134 | 20.5% | 6.50% | #155 |
| 2025 | 181 | 116 | 19.9% | 6.13% | #196 |
What Midland States Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Midland States Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 83 | 51 | 11 | 13.3% |
| St. Charles County | 32 | 24 | 3 | 9.4% |
| Jefferson County | 27 | 20 | 6 | 22.2% |
| St. Louis city | 12 | 7 | 4 | 33.3% |
| Franklin County | 7 | 4 | 3 | 42.9% |
| Monroe County | 6 | 0 | 6 | 100.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Camden County | 2 | 0 | 1 | 50.0% |
| Howell County | 1 | 1 | 0 | 0.0% |
| Wayne County | 1 | 0 | 1 | 100.0% |
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: 181 applications in 2025, of which 116 were originated and 36 denied.
19.9% of all applications, or 22.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Midland States Bank originated in Missouri in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Midland States 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