Plains Commerce Bank in Missouri vs the state
8.3%Denial rate-6.77 pts vs state
12.2%Decision denial rate-6.49 pts vs state
59.7%Origination rate-2.98 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)-0.04 pts vs state
$112kMedian applicant income
151Loans originated
21Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 554 | 322 | 2.4% | 6.75% | #70 |
| 2024 | 359 | 212 | 2.0% | 6.88% | #108 |
| 2025 | 253 | 151 | 8.3% | 6.63% | #156 |
What Plains Commerce Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 55 | 36 | 1 | 1.8% |
| St. Louis County | 35 | 23 | 0 | 0.0% |
| Greene County | 33 | 19 | 1 | 3.0% |
| Platte County | 25 | 13 | 6 | 24.0% |
| Clay County | 13 | 11 | 0 | 0.0% |
| Cass County | 8 | 6 | 0 | 0.0% |
| Christian County | 6 | 5 | 1 | 16.7% |
| Johnson County | 6 | 0 | 2 | 33.3% |
| Franklin County | 5 | 2 | 1 | 20.0% |
| Jefferson County | 5 | 1 | 3 | 60.0% |
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: 253 applications in 2025, of which 151 were originated and 21 denied.
8.3% of all applications, or 12.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Plains Commerce Bank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce 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