First Community Bank in Missouri vs the state
8.0%Denial rate-7.07 pts vs state
10.0%Decision denial rate-8.70 pts vs state
72.0%Origination rate+9.34 pts vs state
6.88%Median rate+0.25 pts vs state
0.26Rate spread (pts)-0.09 pts vs state
$78kMedian applicant income
126Loans originated
14Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 268 | 198 | 7.5% | 8.00% | #123 |
| 2024 | 208 | 140 | 8.7% | 8.39% | #161 |
| 2025 | 175 | 126 | 8.0% | 6.88% | #200 |
What First Community Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Newton County | 74 | 60 | 7 | 9.5% |
| Jasper County | 48 | 35 | 4 | 8.3% |
| McDonald County | 38 | 22 | 3 | 7.9% |
| Barry County | 4 | 3 | 0 | 0.0% |
| Taney County | 3 | 1 | 0 | 0.0% |
| Greene County | 2 | 2 | 0 | 0.0% |
| Ozark County | 2 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Dunklin County | 1 | 0 | 0 | 0.0% |
| Christian County | 1 | 1 | 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: 175 applications in 2025, of which 126 were originated and 14 denied.
8.0% of all applications, or 10.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Community Bank originated in Missouri in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First Community 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