Lender in Missouri · HMDA 2025
First Bank mortgages in Missouri
First Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
First Bank originated 460 owner-occupied single-family loans in Missouri from 480 completed applications.
Its median conventional purchase loan costs were $3,850 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.75% (Missouri: 6.625%).
Loans in MO
460
of 480 applications
Denial rate
2.5%
Purchase · MO 6.5%
Rate spread
+0.29 pts
Conv. · MO +0.24 pts
Loan amount
$275,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 366 | 356 | 2.5% | 6.750% | +0.29 pts | $3,850 | $275,000 |
| Refinance | 79 | 75 | 2.5% | 6.625% | +0.25 pts | $3,130 | $405,000 |
| Cash-out refinance | 35 | 29 | 11.4% | — | +0.23 pts | $3,160 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clay County | 20 | 55 | 1.2% |
| Gentry County | 21 | 1 | 1.1% |
| St. Louis city | 24 | 31 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology