F & C Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
77th1.5% deniedProcesswithdrawn + incomplete share, weight 15%
71st2.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 197 | 179 | 1.0% | 1.1% | — | $39M |
| 2024 | 193 | 182 | 2.6% | 2.6% | — | $36M |
| 2025 | 200 | 183 | 1.5% | 1.5% | — | $36M |
What F & C Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 103 investment properties.
Who gets approved at F & C Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 48 | 41 | 2.2% |
| $100k – $150k | 26 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 19 | 0.0% |
| 35–44 | 21 | 18 | 0.0% |
| 45–54 | 23 | 22 | 4.4% |
| 55–64 | 24 | 19 | 0.0% |
| 65–74 | 21 | 18 | 9.5% |
Where F & C Bank lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 200 | 183 | 1.5% | — | #185 |
Frequently asked questions
F & C Bank denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of investment-property lenders.
In 2025, 62% of its applications were for home purchases, 31% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.