BTC BANK
BTC BANK received 607 applications in 2025 and made 524 mortgages, in 55 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 577 decisions, 42 were denials — 7.3%.
| Legal Entity Identifier | 549300YXOCZOXWKDIT11 |
|---|---|
| Applications received | 607 |
| Mortgages made | 524 |
| Denied | 42 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: BTC Bank, 31 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 283 | Not published | $125,000 | 8.3% |
| Refinancing | 169 | Not published | $105,000 | 5.9% |
| Other purposes | 72 | Not published | $55,000 | 6.5% |
Where BTC BANK lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Grundy County, MO | 47 | Not published | 3.9% |
| Daviess County, MO | 46 | Not published | 4.0% |
| Harrison County, MO | 42 | Not published | 6.5% |
| Pettis County, MO | 36 | Not published | 0.0% |
| Carroll County, MO | 33 | Not published | 2.9% |
| Livingston County, MO | 30 | Not published | 11.8% |
| Gentry County, MO | 28 | Not published | 0.0% |
| Cooper County, MO | 23 | Not published | 11.5% |
| Decatur County, IA | 22 | Not published | 8.3% |
| Caldwell County, MO | 21 | Not published | 4.4% |
| DeKalb County, MO | 20 | Not published | 0.0% |
| Dallas County, MO | 16 | Not published | 26.1% |
| Chariton County, MO | 14 | Not published | 6.7% |
| Clinton County, MO | 14 | Not published | 12.5% |
| Howard County, MO | 11 | Not published | 0.0% |
| Callaway County, MO | 10 | Not published | 16.7% |
| Randolph County, MO | 10 | Not published | 9.1% |
| Mercer County, MO | 9 | Under 10 loans | 0.0% |
| Worth County, MO | 9 | Under 10 loans | 0.0% |
| Ringgold County, IA | 7 | Under 10 loans | 0.0% |
| Hickory County, MO | 7 | Under 10 loans | 27.3% |
| Morgan County, MO | 6 | Under 10 loans | 0.0% |
| Boone County, MO | 5 | Under 10 loans | 0.0% |
| Clay County, MO | 5 | Under 10 loans | 0.0% |
| Benton County, MO | 4 | Under 10 loans | 20.0% |
| Greene County, MO | 4 | Under 10 loans | 20.0% |
| Polk County, MO | 4 | Under 10 loans | 33.3% |
| Ray County, MO | 4 | Under 10 loans | 0.0% |
| Camden County, MO | 3 | Under 10 loans | 0.0% |
| Cedar County, MO | 3 | Under 10 loans | 25.0% |
| Randolph County, AR | 2 | Under 10 loans | 0.0% |
| Union County, IA | 2 | Under 10 loans | 0.0% |
| Adair County, MO | 2 | Under 10 loans | 0.0% |
| Buchanan County, MO | 2 | Under 10 loans | 0.0% |
| Henry County, MO | 2 | Under 10 loans | 33.3% |
| Holt County, MO | 2 | Under 10 loans | 0.0% |
| Linn County, MO | 2 | Under 10 loans | 0.0% |
| Saline County, MO | 2 | Under 10 loans | 0.0% |
| Carroll County, AR | 1 | Under 10 loans | 0.0% |
| Delta County, CO | 1 | Under 10 loans | 0.0% |
| Adams County, IA | 1 | Under 10 loans | 0.0% |
| Clarke County, IA | 1 | Under 10 loans | 0.0% |
| Taylor County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Livingston County, KY | 1 | Under 10 loans | 0.0% |
| Audrain County, MO | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
| Johnson County, MO | 1 | Under 10 loans | 0.0% |
| Miller County, MO | 1 | Under 10 loans | 0.0% |
| Moniteau County, MO | 1 | Under 10 loans | 0.0% |
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When BTC BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.