Southwest Missouri Bank in Missouri vs the state
10.8%Denial rate-4.32 pts vs state
11.5%Decision denial rate-7.17 pts vs state
80.0%Origination rate+17.34 pts vs state
7.75%Median rate+1.13 pts vs state
0.74Rate spread (pts)+0.39 pts vs state
$82kMedian applicant income
588Loans originated
79Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 714 | 567 | 9.9% | 8.50% | #60 |
| 2024 | 715 | 558 | 11.1% | 8.95% | #68 |
| 2025 | 735 | 588 | 10.8% | 7.75% | #68 |
What Southwest Missouri Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Southwest Missouri Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jasper County | 504 | 412 | 51 | 10.1% |
| Newton County | 173 | 139 | 14 | 8.1% |
| McDonald County | 18 | 11 | 5 | 27.8% |
| Barry County | 8 | 4 | 3 | 37.5% |
| Barton County | 8 | 6 | 1 | 12.5% |
| Lawrence County | 5 | 3 | 1 | 20.0% |
| Greene County | 5 | 3 | 2 | 40.0% |
| Vernon County | 2 | 1 | 1 | 50.0% |
| Taney County | 2 | 2 | 0 | 0.0% |
| Dade County | 2 | 2 | 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: 735 applications in 2025, of which 588 were originated and 79 denied.
10.8% of all applications, or 11.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Southwest Missouri Bank originated in Missouri in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Southwest Missouri 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