Montgomery Bank mortgage approval rate & lending review
Montgomery Bank decided 278 mortgage applications and funded 245 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Montgomery Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Montgomery Bank at a glance
Approval is 9.3 points above the 80.9% 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 | 93% | 133 / 143 | 100% | $135K | 133 |
| Home improvement loans | 88% | 29 / 33 | 90% | $45K | 26 |
| Refinance | 84% | 27 / 32 | 96% | $85K | 26 |
| Investment property purchase | 97% | 35 / 36 | 97% | $205K | 34 |
Montgomery Bank lending by state
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 Montgomery Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Louis County, MO | Mortgage lenders | 92% | 37 | 34 |
| St. Louis city, MO | Mortgage lenders | 92% | 37 | 34 |
The county markets where Montgomery Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Montgomery Bank
What is Montgomery Bank's mortgage approval rate?
Montgomery Bank approved 90.3% of the 278 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.3 points above the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan Montgomery Bank offers?
Borrowers accepted 98% of the loans Montgomery Bank 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 Montgomery Bank make?
The typical home purchase mortgage loan Montgomery Bank made was $135K; across all loan types its typical loan ran from $45K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Montgomery Bank lend?
Montgomery Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Florida.
Can I apply to Montgomery Bank directly?
Yes. Montgomery Bank is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Montgomery Bank'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 Montgomery Bank treats applications, then get a rate quote from the lender.