Montgomery Bank in Missouri vs the state
12.8%Denial rate-2.31 pts vs state
13.8%Decision denial rate-4.88 pts vs state
76.8%Origination rate+14.14 pts vs state
7.63%Median rate+1.00 pts vs state
0.76Rate spread (pts)+0.41 pts vs state
$87kMedian applicant income
331Loans originated
55Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 398 | 322 | 9.3% | — | #89 |
| 2024 | 436 | 326 | 11.9% | — | #90 |
| 2025 | 431 | 331 | 12.8% | 7.63% | #105 |
What Montgomery Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Montgomery Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cape Girardeau County | 126 | 96 | 17 | 13.5% |
| St. Louis County | 116 | 82 | 16 | 13.8% |
| Scott County | 74 | 59 | 8 | 10.8% |
| St. Louis city | 22 | 19 | 3 | 13.6% |
| Jefferson County | 20 | 14 | 3 | 15.0% |
| St. Charles County | 17 | 15 | 0 | 0.0% |
| Bollinger County | 11 | 10 | 0 | 0.0% |
| Stoddard County | 11 | 7 | 3 | 27.3% |
| Franklin County | 10 | 8 | 2 | 20.0% |
| New Madrid County | 8 | 6 | 2 | 25.0% |
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: 431 applications in 2025, of which 331 were originated and 55 denied.
12.8% of all applications, or 13.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Montgomery Bank originated in Missouri in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Montgomery 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