Pony Express Bank
Pony Express Bank received 59 applications in 2025 and made 54 mortgages, in 14 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $270,000. Of 56 decisions, 2 were denials — 3.6%.
| Legal Entity Identifier | 549300MUCXO2NIUSBW51 |
|---|---|
| Applications received | 59 |
| Mortgages made | 54 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Pony Express Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 30 | Not published | $340,000 | 3.2% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 11 | Not published | $175,000 | 0.0% |
Where Pony Express Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clay County, MO | 29 | Not published | 3.3% |
| Platte County, MO | 8 | Under 10 loans | 0.0% |
| Jackson County, MO | 4 | Under 10 loans | 0.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Taney County, MO | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Caldwell County, MO | 1 | Under 10 loans | 0.0% |
| Daviess County, MO | 1 | Under 10 loans | 0.0% |
| Livingston County, MO | 1 | Under 10 loans | 0.0% |
| Ray County, MO | 1 | Under 10 loans | 50.0% |
| Stone County, MO | 1 | Under 10 loans | 0.0% |
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When Pony Express 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.