NBH Bank in Missouri vs the state
25.4%Denial rate+10.28 pts vs state
29.1%Decision denial rate+10.41 pts vs state
59.6%Origination rate-3.04 pts vs state
7.37%Median rate+0.74 pts vs state
0.80Rate spread (pts)+0.45 pts vs state
$87kMedian applicant income
254Loans originated
108Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 477 | 269 | 26.8% | 7.38% | #78 |
| 2024 | 400 | 246 | 23.3% | 7.50% | #96 |
| 2025 | 426 | 254 | 25.4% | 7.37% | #107 |
What NBH Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most NBH Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 107 | 66 | 23 | 21.5% |
| Clay County | 62 | 34 | 19 | 30.6% |
| Ray County | 48 | 27 | 15 | 31.3% |
| Buchanan County | 26 | 11 | 11 | 42.3% |
| Livingston County | 23 | 15 | 4 | 17.4% |
| Atchison County | 17 | 12 | 5 | 29.4% |
| Nodaway County | 15 | 12 | 3 | 20.0% |
| Clinton County | 13 | 7 | 5 | 38.5% |
| Platte County | 13 | 11 | 0 | 0.0% |
| Cass County | 12 | 7 | 2 | 16.7% |
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: 426 applications in 2025, of which 254 were originated and 108 denied.
25.4% of all applications, or 29.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans NBH Bank originated in Missouri in 2025 was 7.37%, against a statewide median of 6.63%.
About this data. Figures are NBH 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