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The Bank of Missouri
Bank|Perryville, MO|Multi-Region
Loans Originated
288
Applications
388
Volume
$75 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.168%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$941
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.2%
Percentage of applications that result in closed loans
Report Card
The Bank of Missouri performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$261,736
Average Borrower Income
$155,382
Average Property Value
$365,069
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 283 | 98.3% | +0.169% | $937 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 251 | 87.2% | +0.143% | $943 |
Refinance | Acceptable | Sound | Mediocre | Strong | 37 | 12.8% | +0.340% | $930 |
Geographic Coverage
Metro Areas
4
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARFLILKSMOOHTNTX
Top Metro Areas by Place Specialization Score
1
Cape Girardeau, MO, MO-ILMSA
Volume: 48Mix: 16.67%
Place Specialization
Exceptional
2
Springfield, MO, MOMSA
Volume: 74Mix: 25.69%
Place Specialization
Strong
3
Columbia, MO, MOMSA
Volume: 21Mix: 7.29%
Place Specialization
Sound
4
St. Louis, MO, MO-ILMSA
Volume: 10Mix: 3.47%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 263Mix: 91.32%
Place Specialization
Strong
2
ARState
Volume: 13Mix: 4.51%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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