First National Bank of America in Missouri vs the state
22.6%Denial rate+7.51 pts vs state
28.0%Decision denial rate+9.30 pts vs state
58.1%Origination rate-4.60 pts vs state
8.50%Median rate+1.88 pts vs state
2.40Rate spread (pts)+2.05 pts vs state
$64kMedian applicant income
18Loans originated
7Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 21 | 21.6% | 9.63% | #361 |
| 2024 | 38 | 18 | 31.6% | 8.87% | #368 |
| 2025 | 31 | 18 | 22.6% | 8.50% | #402 |
What First National Bank of America lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 9 | 4 | 2 | 22.2% |
| St. Louis County | 7 | 4 | 2 | 28.6% |
| Clay County | 3 | 2 | 1 | 33.3% |
| Miller County | 2 | 2 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Perry County | 1 | 0 | 1 | 100.0% |
| Audrain County | 1 | 0 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Taney County | 1 | 1 | 0 | 0.0% |
| St. Louis city | 1 | 0 | 1 | 100.0% |
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: 31 applications in 2025, of which 18 were originated and 7 denied.
22.6% of all applications, or 28.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First National Bank of America originated in Missouri in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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