First American Bank in Missouri vs the state
66.7%Denial rate+51.60 pts vs state
80.0%Decision denial rate+61.30 pts vs state
16.7%Origination rate-45.99 pts vs state
8.49%Median rate+1.87 pts vs state
1.28Rate spread (pts)+0.93 pts vs state
$107kMedian applicant income
1Loans originated
4Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 42.9% | 7.88% | #544 |
| 2024 | 9 | 4 | 22.2% | 7.94% | #505 |
| 2025 | 6 | 1 | 66.7% | 8.49% | #556 |
What First American Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis city | 4 | 1 | 3 | 75.0% |
| Saline County | 1 | 0 | 0 | 0.0% |
| Texas County | 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: 6 applications in 2025, of which 1 were originated and 4 denied.
66.7% of all applications, or 80.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First American Bank originated in Missouri in 2025 was 8.49%, against a statewide median of 6.63%.
About this data. Figures are First American Bank'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