Midwest BankCentre mortgage approval rate & lending review
Midwest BankCentre decided 1,104 mortgage applications and funded 1,038 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Midwest BankCentre reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Midwest BankCentre at a glance
Approval is 10.8 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 687 / 721 | 100% | $205K | 685 |
| Home improvement loans | 80% | 36 / 45 | 94% | $85K | 34 |
| Cash-out refinance | 92% | 71 / 77 | 100% | $135K | 71 |
| Refinance | 93% | 66 / 71 | 100% | $255K | 66 |
| Investment property purchase | 96% | 132 / 138 | 99% | $125K | 131 |
Midwest BankCentre lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 95% | $175K | 569 | 535 |
| Illinois | 93% | $205K | 424 | 394 |
| Tennessee | 96% | $475K | 26 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Midwest BankCentre lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Clair County, IL | Mortgage lenders | 93% | 212 | 198 |
| Madison County, IL | Mortgage lenders | 94% | 123 | 115 |
| St. Louis County, MO | Mortgage lenders | 94% | 82 | 77 |
| St. Louis city, MO | Mortgage lenders | 94% | 82 | 77 |
| Jefferson County, MO | Mortgage lenders | 100% | 67 | 65 |
| St. Charles County, MO | Mortgage lenders | 97% | 66 | 64 |
| St. Louis County, MO | Investment property purchase | 100% | 31 | 31 |
| St. Louis city, MO | Investment property purchase | 100% | 31 | 31 |
| St. Clair County, IL | Investment property purchase | 83% | 24 | 20 |
The county markets where Midwest BankCentre made the most loans. Each link opens that market with every lender ranked.
Questions about Midwest BankCentre
What is Midwest BankCentre's mortgage approval rate?
Midwest BankCentre approved 94.5% of the 1,104 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.8 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Midwest BankCentre offers?
Borrowers accepted 100% of the loans Midwest BankCentre approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Midwest BankCentre make?
The typical home purchase mortgage loan Midwest BankCentre made was $205K; across all loan types its typical loan ran from $85K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Midwest BankCentre lend?
Midwest BankCentre decided applications in 29 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Tennessee.
Can I apply to Midwest BankCentre directly?
Yes. Midwest BankCentre is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Midwest BankCentre's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Midwest BankCentre treats applications, then get a rate quote from the lender.