FCB Banks in Missouri vs the state
5.6%Denial rate-9.47 pts vs state
6.3%Decision denial rate-12.41 pts vs state
83.0%Origination rate+20.33 pts vs state
7.05%Median rate+0.42 pts vs state
0.66Rate spread (pts)+0.31 pts vs state
$111kMedian applicant income
400Loans originated
27Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 483 | 395 | 6.6% | 7.11% | #77 |
| 2024 | 463 | 372 | 5.6% | 8.15% | #87 |
| 2025 | 482 | 400 | 5.6% | 7.05% | #93 |
What FCB Banks lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most FCB Banks applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 287 | 237 | 20 | 7.0% |
| St. Louis city | 102 | 79 | 7 | 6.9% |
| Jefferson County | 31 | 27 | 0 | 0.0% |
| St. Charles County | 26 | 24 | 0 | 0.0% |
| Camden County | 7 | 7 | 0 | 0.0% |
| Lincoln County | 4 | 3 | 0 | 0.0% |
| Clay County | 3 | 3 | 0 | 0.0% |
| Franklin County | 3 | 2 | 0 | 0.0% |
| Miller County | 2 | 2 | 0 | 0.0% |
| Phelps County | 2 | 2 | 0 | 0.0% |
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: 482 applications in 2025, of which 400 were originated and 27 denied.
5.6% of all applications, or 6.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans FCB Banks originated in Missouri in 2025 was 7.05%, against a statewide median of 6.63%.
About this data. Figures are FCB Banks'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