O'Bannon Banking in Missouri vs the state
16.4%Denial rate+1.37 pts vs state
16.4%Decision denial rate-2.26 pts vs state
76.7%Origination rate+14.05 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
56Loans originated
12Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 56 | 10.1% | — | #282 |
| 2024 | 70 | 64 | 5.7% | — | #285 |
| 2025 | 73 | 56 | 16.4% | — | #307 |
What O'Bannon Banking lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most O'Bannon Banking applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 26 | 22 | 3 | 11.5% |
| Dallas County | 19 | 12 | 5 | 26.3% |
| Polk County | 12 | 9 | 2 | 16.7% |
| Webster County | 5 | 2 | 2 | 40.0% |
| Christian County | 2 | 2 | 0 | 0.0% |
| Camden County | 2 | 2 | 0 | 0.0% |
| Hickory County | 2 | 2 | 0 | 0.0% |
| Lawrence County | 2 | 2 | 0 | 0.0% |
| Barry County | 1 | 1 | 0 | 0.0% |
| Laclede County | 1 | 1 | 0 | 0.0% |
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: 73 applications in 2025, of which 56 were originated and 12 denied.
16.4% of all applications, or 16.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are O'Bannon Banking'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