First Horizon Bank in Missouri vs the state
11.2%Denial rate-3.89 pts vs state
13.3%Decision denial rate-5.42 pts vs state
72.4%Origination rate+9.71 pts vs state
6.63%Median rate0.00 pts vs state
0.07Rate spread (pts)-0.28 pts vs state
$121kMedian applicant income
110Loans originated
17Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 171 | 126 | 9.9% | 7.00% | #176 |
| 2024 | 165 | 126 | 9.7% | 6.63% | #190 |
| 2025 | 152 | 110 | 11.2% | 6.63% | #219 |
What First Horizon Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Charles County | 79 | 65 | 6 | 7.6% |
| St. Louis County | 42 | 25 | 7 | 16.7% |
| Warren County | 8 | 7 | 0 | 0.0% |
| St. Louis city | 7 | 3 | 3 | 42.9% |
| Lincoln County | 5 | 4 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Jackson County | 2 | 0 | 0 | 0.0% |
| Howell County | 1 | 1 | 0 | 0.0% |
| Greene County | 1 | 0 | 0 | 0.0% |
| Clay 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: 152 applications in 2025, of which 110 were originated and 17 denied.
11.2% of all applications, or 13.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Horizon Bank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Horizon 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