NBKC Bank in Missouri vs the state
8.6%Denial rate-6.48 pts vs state
11.4%Decision denial rate-7.33 pts vs state
66.0%Origination rate+3.38 pts vs state
6.25%Median rate-0.38 pts vs state
-0.10Rate spread (pts)-0.45 pts vs state
$130kMedian applicant income
523Loans originated
68Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 531 | 363 | 7.3% | 6.50% | #73 |
| 2024 | 738 | 533 | 7.1% | 6.38% | #65 |
| 2025 | 792 | 523 | 8.6% | 6.25% | #65 |
What NBKC Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 281 | 184 | 23 | 8.2% |
| Clay County | 97 | 63 | 7 | 7.2% |
| Platte County | 61 | 49 | 3 | 4.9% |
| St. Louis County | 60 | 36 | 9 | 15.0% |
| Cass County | 47 | 33 | 5 | 10.6% |
| Boone County | 34 | 19 | 4 | 11.8% |
| St. Charles County | 26 | 16 | 1 | 3.8% |
| Greene County | 24 | 15 | 2 | 8.3% |
| St. Louis city | 14 | 13 | 0 | 0.0% |
| Buchanan County | 13 | 10 | 2 | 15.4% |
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: 792 applications in 2025, of which 523 were originated and 68 denied.
8.6% of all applications, or 11.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans NBKC Bank originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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