Regional Missouri Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
48th10.1% deniedProcesswithdrawn + incomplete share, weight 15%
54th10.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 256 | 202 | 12.1% | 12.9% | — | $44M |
| 2024 | 276 | 216 | 7.6% | 8.7% | — | $45M |
| 2025 | 243 | 192 | 9.1% | 10.1% | — | $41M |
What Regional Missouri Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 45 investment properties.
Who gets approved at Regional Missouri Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 49 | 31 | 23.8% |
| $50k – $100k | 78 | 55 | 16.2% |
| $100k – $150k | 49 | 43 | 2.3% |
| $150k – $250k | 29 | 27 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 17 | 10.5% |
| 25–34 | 50 | 32 | 17.1% |
| 35–44 | 50 | 38 | 11.4% |
| 45–54 | 39 | 32 | 11.1% |
| 55–64 | 25 | 22 | 4.4% |
| 65–74 | 21 | 18 | 14.3% |
Where Regional Missouri Bank lends
4 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 237 | 187 | 9.3% | — | #162 |
Frequently asked questions
Regional Missouri Bank denied 10.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 30% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.