Southwest Missouri Bank
Southwest Missouri Bank received 780 applications in 2025 and made 618 mortgages, in 23 counties across 4 states. The median rate its borrowers got was 7.750% on a median loan of $95,000. Of 726 decisions, 89 were denials — 12.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DHRESF8KLNP162 |
|---|---|
| Applications received | 780 |
| Mortgages made | 618 |
| Denied | 89 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.74 points |
| FDIC-insured bank | Yes: Southwest Missouri Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 219 | 6.750% | $155,000 | 15.3% |
| Refinancing | 130 | 7.500% | $105,000 | 8.4% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Other purposes | 265 | 8.000% | $55,000 | 10.0% |
Where Southwest Missouri Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jasper County, MO | 412 | 7.750% | 10.7% |
| Newton County, MO | 139 | 7.750% | 8.9% |
| Cherokee County, KS | 20 | 7.375% | 25.0% |
| McDonald County, MO | 11 | 8.000% | 31.3% |
| Barton County, MO | 6 | Under 10 loans | 14.3% |
| Barry County, MO | 4 | Under 10 loans | 42.9% |
| Crawford County, KS | 3 | Under 10 loans | 40.0% |
| Greene County, MO | 3 | Under 10 loans | 40.0% |
| Lawrence County, MO | 3 | Under 10 loans | 25.0% |
| Benton County, AR | 2 | Under 10 loans | 0.0% |
| Dade County, MO | 2 | Under 10 loans | 0.0% |
| Stone County, MO | 2 | Under 10 loans | 0.0% |
| Taney County, MO | 2 | Under 10 loans | 0.0% |
| Delaware County, OK | 2 | Under 10 loans | 0.0% |
| Ottawa County, OK | 2 | Under 10 loans | 33.3% |
| Labette County, KS | 1 | Under 10 loans | 0.0% |
| Cedar County, MO | 1 | Under 10 loans | 0.0% |
| Dallas County, MO | 1 | Under 10 loans | 0.0% |
| Laclede County, MO | 1 | Under 10 loans | 0.0% |
| Vernon County, MO | 1 | Under 10 loans | 50.0% |
| Bates County, MO | 0 | Under 10 loans | 100.0% |
| Clay County, MO | 0 | Under 10 loans | Not published |
| DeKalb County, MO | 0 | Under 10 loans | 0.0% |
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When Southwest Missouri 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.