First Heritage Financial in Missouri vs the state
4.8%Denial rate-10.31 pts vs state
5.6%Decision denial rate-13.14 pts vs state
81.0%Origination rate+18.29 pts vs state
6.25%Median rate-0.38 pts vs state
0.15Rate spread (pts)-0.20 pts vs state
$76kMedian applicant income
17Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 23 | 15 | 17.4% | 6.49% | #414 |
| 2025 | 21 | 17 | 4.8% | 6.25% | #429 |
What First Heritage Financial lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Heritage Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 6 | 1 | 14.3% |
| St. Charles County | 6 | 6 | 0 | 0.0% |
| St. Louis County | 6 | 4 | 0 | 0.0% |
| St. Louis city | 2 | 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: 21 applications in 2025, of which 17 were originated and 1 denied.
4.8% of all applications, or 5.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Heritage Financial originated in Missouri in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Heritage Financial'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