Montgomery Bank
Montgomery Bank received 455 applications in 2025 and made 349 mortgages, in 35 counties across 12 states. The median rate its borrowers got was 7.625% on a median loan of $95,000. Of 418 decisions, 55 were denials — 13.2%, most often for credit history.
| Legal Entity Identifier | 549300RWMKY0FK1H5L44 |
|---|---|
| Applications received | 455 |
| Mortgages made | 349 |
| Denied | 55 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 37 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.76 points |
| FDIC-insured bank | Yes: Montgomery Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 119 | 7.240% | $175,000 | 8.2% |
| Refinancing | 84 | 8.000% | $85,000 | 7.5% |
| Cash-out refinancing | 34 | 6.995% | $185,000 | 12.5% |
| Other purposes | 112 | 8.000% | $55,000 | 21.2% |
Where Montgomery Bank lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cape Girardeau County, MO | 96 | 7.750% | 14.7% |
| St. Louis County, MO | 82 | 7.500% | 15.4% |
| Scott County, MO | 59 | 7.750% | 11.6% |
| St. Louis city, MO | 19 | 7.500% | 13.6% |
| St. Charles County, MO | 15 | 7.625% | 0.0% |
| Jefferson County, MO | 14 | 7.745% | 16.7% |
| Bollinger County, MO | 10 | 7.688% | 0.0% |
| Franklin County, MO | 8 | Under 10 loans | 20.0% |
| Stoddard County, MO | 7 | Under 10 loans | 30.0% |
| New Madrid County, MO | 6 | Under 10 loans | 25.0% |
| Wayne County, MO | 4 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 0.0% |
| Camden County, MO | 3 | Under 10 loans | 0.0% |
| Mississippi County, MO | 3 | Under 10 loans | 25.0% |
| Monroe County, IL | 2 | Under 10 loans | 0.0% |
| St. Clair County, IL | 2 | Under 10 loans | 0.0% |
| Perry County, MO | 2 | Under 10 loans | 0.0% |
| Charleston County, SC | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Alexander County, IL | 1 | Under 10 loans | 0.0% |
| Pulaski County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, KY | 1 | Under 10 loans | 0.0% |
| Meade County, KY | 1 | Under 10 loans | 0.0% |
| Jackson County, MS | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
| Pemiscot County, MO | 1 | Under 10 loans | 0.0% |
| Phelps County, MO | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 0 | Under 10 loans | Not published |
| Santa Rosa County, FL | 0 | Under 10 loans | Not published |
| Clinton County, IL | 0 | Under 10 loans | Not published |
| Bartholomew County, IN | 0 | Under 10 loans | 0.0% |
| Montgomery County, MD | 0 | Under 10 loans | Not published |
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When Montgomery 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.