First Federal Bank in Missouri vs the state
7.8%Denial rate-7.26 pts vs state
11.5%Decision denial rate-7.21 pts vs state
60.2%Origination rate-2.50 pts vs state
6.13%Median rate-0.50 pts vs state
-0.13Rate spread (pts)-0.48 pts vs state
$121kMedian applicant income
154Loans originated
20Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 46 | 11.6% | 6.75% | #281 |
| 2024 | 248 | 146 | 11.3% | 6.38% | #143 |
| 2025 | 256 | 154 | 7.8% | 6.13% | #153 |
What First Federal Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 79 | 41 | 9 | 11.4% |
| Clay County | 30 | 24 | 2 | 6.7% |
| St. Louis County | 22 | 12 | 0 | 0.0% |
| St. Charles County | 21 | 10 | 2 | 9.5% |
| Platte County | 14 | 8 | 1 | 7.1% |
| Cass County | 10 | 7 | 0 | 0.0% |
| Lafayette County | 8 | 6 | 0 | 0.0% |
| St. Louis city | 7 | 3 | 0 | 0.0% |
| Boone County | 6 | 4 | 1 | 16.7% |
| Christian County | 5 | 5 | 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: 256 applications in 2025, of which 154 were originated and 20 denied.
7.8% of all applications, or 11.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Federal Bank originated in Missouri in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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