FCS Financial, FLCA in Missouri vs the state
7.4%Denial rate-7.70 pts vs state
8.4%Decision denial rate-10.28 pts vs state
80.2%Origination rate+17.52 pts vs state
7.20%Median rate+0.58 pts vs state
0.81Rate spread (pts)+0.46 pts vs state
$154kMedian applicant income
174Loans originated
16Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 81 | 8.3% | 7.60% | #225 |
| 2024 | 170 | 131 | 8.2% | 7.40% | #186 |
| 2025 | 217 | 174 | 7.4% | 7.20% | #172 |
What FCS Financial, FLCA lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most FCS Financial, FLCA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lafayette County | 10 | 8 | 1 | 10.0% |
| Henry County | 9 | 7 | 0 | 0.0% |
| Johnson County | 9 | 9 | 0 | 0.0% |
| Cass County | 8 | 6 | 2 | 25.0% |
| Bates County | 7 | 7 | 0 | 0.0% |
| Montgomery County | 6 | 5 | 0 | 0.0% |
| Harrison County | 6 | 3 | 2 | 33.3% |
| Vernon County | 6 | 5 | 1 | 16.7% |
| Franklin County | 6 | 6 | 0 | 0.0% |
| Camden County | 5 | 4 | 1 | 20.0% |
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: 217 applications in 2025, of which 174 were originated and 16 denied.
7.4% of all applications, or 8.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans FCS Financial, FLCA originated in Missouri in 2025 was 7.20%, against a statewide median of 6.63%.
About this data. Figures are FCS Financial, FLCA'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