First State Community Bank in Missouri vs the state
12.6%Denial rate-2.48 pts vs state
15.3%Decision denial rate-3.39 pts vs state
67.9%Origination rate+5.28 pts vs state
6.88%Median rate+0.25 pts vs state
0.19Rate spread (pts)-0.16 pts vs state
$87kMedian applicant income
1,937Loans originated
359Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,499 | 1,642 | 14.7% | 7.61% | #17 |
| 2024 | 2,486 | 1,600 | 14.2% | 7.85% | #21 |
| 2025 | 2,851 | 1,937 | 12.6% | 6.88% | #19 |
What First State Community Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First State Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Francois County | 467 | 323 | 64 | 13.7% |
| Jefferson County | 289 | 201 | 25 | 8.7% |
| Cape Girardeau County | 256 | 170 | 30 | 11.7% |
| Franklin County | 185 | 127 | 18 | 9.7% |
| Washington County | 148 | 92 | 20 | 13.5% |
| Perry County | 133 | 83 | 17 | 12.8% |
| Laclede County | 127 | 94 | 16 | 12.6% |
| Boone County | 112 | 86 | 4 | 3.6% |
| Madison County | 103 | 73 | 15 | 14.6% |
| Scott County | 83 | 53 | 14 | 16.9% |
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: 2,851 applications in 2025, of which 1,937 were originated and 359 denied.
12.6% of all applications, or 15.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First State Community Bank originated in Missouri in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First State Community 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