First Community in Missouri vs the state
25.6%Denial rate+10.50 pts vs state
31.4%Decision denial rate+12.74 pts vs state
55.7%Origination rate-7.01 pts vs state
5.95%Median rate-0.67 pts vs state
0.97Rate spread (pts)+0.62 pts vs state
$119kMedian applicant income
2,436Loans originated
1,119Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,332 | 2,411 | 27.4% | 6.50% | #10 |
| 2024 | 4,077 | 2,367 | 23.8% | 7.00% | #12 |
| 2025 | 4,377 | 2,436 | 25.6% | 5.95% | #12 |
What First Community lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Community applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 1,822 | 1,019 | 459 | 25.2% |
| St. Charles County | 1,252 | 747 | 290 | 23.2% |
| Jefferson County | 484 | 265 | 124 | 25.6% |
| St. Louis city | 271 | 141 | 62 | 22.9% |
| Franklin County | 164 | 90 | 44 | 26.8% |
| Lincoln County | 100 | 56 | 31 | 31.0% |
| Warren County | 98 | 50 | 32 | 32.7% |
| St. Francois County | 31 | 15 | 12 | 38.7% |
| Ste. Genevieve County | 10 | 5 | 2 | 20.0% |
| Crawford County | 9 | 3 | 5 | 55.6% |
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: 4,377 applications in 2025, of which 2,436 were originated and 1,119 denied.
25.6% of all applications, or 31.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Community originated in Missouri in 2025 was 5.95%, against a statewide median of 6.63%.
About this data. Figures are First Community'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