FCS Financial, Flca: 2025 mortgage rates, costs & approvals
How FCS Financial, Flca priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: FCS Financial, FLCA · LEI 549300UXCRU4C6HBN492
In 2025, FCS Financial, Flca originated 124 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 1647th by volume among the 2,017 lenders profiled here.
It denied 9.7% of completed home-purchase applications (all lenders: 8.5%).
How FCS Financial, Flca priced home-purchase loans
| Purchase loans, 2025 | FCS Financial, Flca | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.73 pts | +0.13 pts |
| Total loan costs · conventional | $4,240 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $2,410 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 31.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where FCS Financial, Flca lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Missouri | 124 | 136 | 9.7% | — | $4,240 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open FCS Financial, Flca's page for that state.
Counties where FCS Financial, Flca is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Scotland County, MO | 4 | 2 | 13.3% |
| St. Clair County, MO | 2 | 4 | 7.7% |
| Schuyler County, MO | 11 | 1 | 4.5% |
| Harrison County, MO | 6 | 3 | 4.4% |
| Mercer County, MO | 15 | 1 | 4.3% |
| Knox County, MO | 13 | 1 | 3.1% |
| Montgomery County, MO | 16 | 3 | 2.2% |
| Gentry County, MO | 12 | 2 | 2.1% |
| Bates County, MO | 13 | 5 | 2.1% |
| Grundy County, MO | 16 | 2 | 2.0% |
| Daviess County, MO | 14 | 2 | 1.9% |
| Macon County, MO | 17 | 2 | 1.7% |
| Chariton County, MO | 21 | 1 | 1.6% |
| Henry County, MO | 18 | 5 | 1.5% |
| Livingston County, MO | 20 | 2 | 1.3% |
Check FCS Financial, Flca yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300UXCRU4C6HBN492.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from FCS Financial, Flca with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology