The Federal Savings Bank in Missouri vs the state
9.8%Denial rate-5.24 pts vs state
21.5%Decision denial rate+2.81 pts vs state
35.2%Origination rate-27.49 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)-0.03 pts vs state
$80kMedian applicant income
204Loans originated
57Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 415 | 140 | 13.7% | 6.31% | #86 |
| 2024 | 430 | 150 | 8.6% | 6.54% | #92 |
| 2025 | 580 | 204 | 9.8% | 6.50% | #78 |
What The Federal Savings Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 79 | 23 | 6 | 7.6% |
| St. Louis County | 71 | 25 | 7 | 9.9% |
| Clay County | 28 | 9 | 2 | 7.1% |
| Jefferson County | 27 | 9 | 2 | 7.4% |
| St. Charles County | 25 | 13 | 2 | 8.0% |
| Boone County | 23 | 11 | 3 | 13.0% |
| Cass County | 22 | 7 | 5 | 22.7% |
| Greene County | 21 | 8 | 2 | 9.5% |
| Pulaski County | 17 | 10 | 2 | 11.8% |
| Christian County | 14 | 6 | 2 | 14.3% |
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: 580 applications in 2025, of which 204 were originated and 57 denied.
9.8% of all applications, or 21.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans The Federal Savings Bank originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal 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