First Bank in Missouri vs the state
10.9%Denial rate-4.13 pts vs state
13.2%Decision denial rate-5.54 pts vs state
70.9%Origination rate+8.24 pts vs state
6.75%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.02 pts vs state
$114kMedian applicant income
648Loans originated
100Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,267 | 876 | 16.3% | 6.50% | #33 |
| 2024 | 1,038 | 764 | 12.5% | 6.88% | #44 |
| 2025 | 914 | 648 | 10.9% | 6.75% | #55 |
What First Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 286 | 188 | 55 | 19.2% |
| Jackson County | 128 | 96 | 7 | 5.5% |
| St. Charles County | 126 | 94 | 12 | 9.5% |
| Clay County | 81 | 61 | 1 | 1.2% |
| St. Louis city | 55 | 40 | 5 | 9.1% |
| Cass County | 42 | 28 | 0 | 0.0% |
| Jefferson County | 31 | 24 | 5 | 16.1% |
| Platte County | 24 | 17 | 1 | 4.2% |
| Jasper County | 18 | 15 | 0 | 0.0% |
| Warren County | 16 | 11 | 1 | 6.3% |
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: 914 applications in 2025, of which 648 were originated and 100 denied.
10.9% of all applications, or 13.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Bank originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are First 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