Simmons Bank in Missouri vs the state
26.8%Denial rate+11.73 pts vs state
29.9%Decision denial rate+11.17 pts vs state
61.5%Origination rate-1.19 pts vs state
4.99%Median rate-1.63 pts vs state
-2.20Rate spread (pts)-2.55 pts vs state
$79kMedian applicant income
461Loans originated
201Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 952 | 591 | 22.5% | 8.04% | #45 |
| 2024 | 853 | 472 | 30.7% | 8.50% | #55 |
| 2025 | 750 | 461 | 26.8% | 4.99% | #67 |
What Simmons Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Simmons Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 128 | 98 | 19 | 14.8% |
| St. Louis County | 83 | 51 | 22 | 26.5% |
| Greene County | 74 | 43 | 21 | 28.4% |
| Howell County | 46 | 24 | 19 | 41.3% |
| Christian County | 42 | 31 | 8 | 19.0% |
| Pettis County | 40 | 24 | 9 | 22.5% |
| Cedar County | 39 | 25 | 13 | 33.3% |
| St. Charles County | 38 | 24 | 8 | 21.1% |
| Stone County | 33 | 17 | 8 | 24.2% |
| Texas County | 29 | 19 | 8 | 27.6% |
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: 750 applications in 2025, of which 461 were originated and 201 denied.
26.8% of all applications, or 29.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Simmons Bank originated in Missouri in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Simmons 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