The Bank of Missouri 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%
29th16.0% deniedPricingmedian rate spread over APOR, weight 30%
63rd0.18 ptsProcesswithdrawn + incomplete share, weight 15%
36th14.7%Closing coststotal loan costs ÷ loan amount, weight 10%
45th2.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,078 | 721 | 14.8% | 18.0% | 6.75% | $157M |
| 2024 | 1,040 | 754 | 13.5% | 15.6% | 7.13% | $189M |
| 2025 | 1,167 | 833 | 13.6% | 16.0% | 6.75% | $198M |
What The Bank of Missouri 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, 9 manufactured homes, 224 investment properties.
Why The Bank of Missouri denies applications
Primary reason reported for each of the 159 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Bank of Missouri
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 161 | 89 | 32.3% |
| $50k – $100k | 300 | 200 | 21.9% |
| $100k – $150k | 229 | 175 | 12.3% |
| $150k – $250k | 148 | 117 | 8.6% |
| Over $250k | 91 | 66 | 10.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 43 | 26 | 13.3% |
| 25–34 | 199 | 148 | 8.0% |
| 35–44 | 191 | 129 | 23.1% |
| 45–54 | 198 | 138 | 20.7% |
| 55–64 | 200 | 138 | 21.1% |
| 65–74 | 111 | 78 | 18.6% |
| Over 74 | 51 | 34 | 20.9% |
Where The Bank of Missouri lends
18 states and 101 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The Bank of Missouri denied 16.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
The most common reason The Bank of Missouri gave in 2025 was "credit history", cited on 38.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans The Bank of Missouri originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 46% of its applications were for home purchases, 21% for refinancing (including cash-out), and 33% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.