City First Mortgage Services in Missouri vs the state
8.2%Denial rate-6.87 pts vs state
11.1%Decision denial rate-7.59 pts vs state
65.6%Origination rate+2.91 pts vs state
6.69%Median rate+0.06 pts vs state
0.52Rate spread (pts)+0.17 pts vs state
$90kMedian applicant income
40Loans originated
5Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 11 | 0.0% | 7.38% | #466 |
| 2024 | 74 | 45 | 6.8% | 6.63% | #279 |
| 2025 | 61 | 40 | 8.2% | 6.69% | #328 |
What City First Mortgage Services lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 34 | 26 | 1 | 2.9% |
| St. Louis County | 11 | 6 | 1 | 9.1% |
| St. Francois County | 4 | 2 | 0 | 0.0% |
| Scott County | 3 | 2 | 0 | 0.0% |
| Ste. Genevieve County | 2 | 1 | 0 | 0.0% |
| New Madrid County | 1 | 0 | 0 | 0.0% |
| Iron County | 1 | 0 | 1 | 100.0% |
| Camden County | 1 | 0 | 1 | 100.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| St. Louis city | 1 | 0 | 1 | 100.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 61 applications in 2025, of which 40 were originated and 5 denied.
8.2% of all applications, or 11.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans City First Mortgage Services originated in Missouri in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are City First Mortgage Services's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology