The Bank of Missouri: 2025 mortgage rates, costs & approvals
How The Bank of Missouri priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The Bank of Missouri · LEI 549300JE6M4A1G4LPS75
In 2025, The Bank of Missouri originated 336 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 11 states — 927th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $3,060, 45% lower than the national median ($5,570).
It denied 8.7% of completed home-purchase applications (all lenders: 8.5%).
How The Bank of Missouri priced home-purchase loans
| Purchase loans, 2025 | The Bank of Missouri | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.15 pts | +0.13 pts |
| Total loan costs · conventional | $3,060 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,000 | $1,860 |
| Borrowers paying discount points | 4.7% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 44.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why The Bank of Missouri denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where The Bank of Missouri lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Missouri | 319 | 366 | 8.2% | 6.500% | $3,050 |
| Arkansas | 6 | 7 | — | — | — |
| Kansas | 3 | 3 | — | — | — |
| Florida | 2 | 3 | — | — | — |
| South Carolina | 2 | 2 | — | — | — |
| Illinois | 1 | 2 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Mississippi | 0 | 1 | — | — | — |
| Texas | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Bank of Missouri's page for that state.
Counties where The Bank of Missouri is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Perry County, MO | 1 | 40 | 17.3% |
| Bollinger County, MO | 1 | 13 | 11.6% |
| Pemiscot County, MO | 4 | 7 | 8.6% |
| Montgomery County, MO | 4 | 8 | 5.8% |
| Cape Girardeau County, MO | 3 | 57 | 5.5% |
| Scott County, MO | 7 | 19 | 4.6% |
| Polk County, MO | 6 | 22 | 4.4% |
| Dade County, MO | 14 | 2 | 2.4% |
| Taney County, MO | 12 | 16 | 2.3% |
| Dallas County, MO | 13 | 5 | 2.3% |
| Carter County, MO | 15 | 1 | 2.0% |
| St. Clair County, MO | 21 | 1 | 1.9% |
| Ste. Genevieve County, MO | 11 | 4 | 1.7% |
| Ozark County, MO | 22 | 1 | 1.6% |
| Audrain County, MO | 18 | 4 | 1.3% |
Check The Bank of Missouri yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300JE6M4A1G4LPS75.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The Bank of Missouri with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology