First Savings Bank in Missouri vs the state
22.2%Denial rate+7.15 pts vs state
28.6%Decision denial rate+9.87 pts vs state
55.6%Origination rate-7.10 pts vs state
7.63%Median rate+1.00 pts vs state
0.39Rate spread (pts)+0.04 pts vs state
$120kMedian applicant income
20Loans originated
8Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 45 | 7.9% | 6.88% | #270 |
| 2024 | 37 | 18 | 32.4% | 7.38% | #373 |
| 2025 | 36 | 20 | 22.2% | 7.63% | #379 |
What First Savings Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 6 | 2 | 2 | 33.3% |
| Jackson County | 5 | 3 | 1 | 20.0% |
| St. Charles County | 5 | 3 | 1 | 20.0% |
| Clay County | 4 | 2 | 0 | 0.0% |
| Lawrence County | 3 | 2 | 1 | 33.3% |
| St. Louis County | 2 | 0 | 2 | 100.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Texas County | 1 | 0 | 0 | 0.0% |
| Platte County | 1 | 0 | 1 | 100.0% |
| Lafayette 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: 36 applications in 2025, of which 20 were originated and 8 denied.
22.2% of all applications, or 28.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Savings Bank originated in Missouri in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are First Savings 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