Sterling Bank in Missouri vs the state
15.9%Denial rate+0.87 pts vs state
16.7%Decision denial rate-2.03 pts vs state
79.7%Origination rate+17.05 pts vs state
—Median rate
—Rate spread (pts)
$70kMedian applicant income
55Loans originated
11Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 50 | 7.9% | — | #297 |
| 2024 | 58 | 49 | 3.5% | — | #308 |
| 2025 | 69 | 55 | 15.9% | — | #312 |
What Sterling Bank lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Sterling Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Butler County | 25 | 19 | 5 | 20.0% |
| Stoddard County | 10 | 9 | 1 | 10.0% |
| Dunklin County | 7 | 5 | 1 | 14.3% |
| Cape Girardeau County | 5 | 5 | 0 | 0.0% |
| Carter County | 5 | 4 | 1 | 20.0% |
| Wayne County | 4 | 4 | 0 | 0.0% |
| Ripley County | 4 | 3 | 1 | 25.0% |
| New Madrid County | 2 | 1 | 0 | 0.0% |
| Barry County | 1 | 1 | 0 | 0.0% |
| Scott 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: 69 applications in 2025, of which 55 were originated and 11 denied.
15.9% of all applications, or 16.7% 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 Sterling 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