First Community Mortgage in Missouri vs the state
17.8%Denial rate+2.71 pts vs state
20.0%Decision denial rate+1.30 pts vs state
66.7%Origination rate+4.01 pts vs state
6.75%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.09 pts vs state
$73kMedian applicant income
60Loans originated
16Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 30 | 8.3% | 6.63% | #368 |
| 2024 | 53 | 43 | 7.6% | 6.99% | #325 |
| 2025 | 90 | 60 | 17.8% | 6.75% | #277 |
What First Community Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 8 | 4 | 0 | 0.0% |
| Greene County | 8 | 5 | 2 | 25.0% |
| Scott County | 8 | 7 | 1 | 12.5% |
| Phelps County | 7 | 4 | 1 | 14.3% |
| Cape Girardeau County | 6 | 4 | 1 | 16.7% |
| St. Louis County | 5 | 2 | 2 | 40.0% |
| Crawford County | 5 | 3 | 1 | 20.0% |
| Stoddard County | 5 | 3 | 1 | 20.0% |
| Jackson County | 4 | 2 | 1 | 25.0% |
| Gasconade County | 4 | 3 | 1 | 25.0% |
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: 90 applications in 2025, of which 60 were originated and 16 denied.
17.8% of all applications, or 20.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Community Mortgage originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are First Community Mortgage'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