Lender in Missouri · HMDA 2025
First Community mortgages in Missouri
First Community's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
First Community originated 606 owner-occupied single-family loans in Missouri from 851 completed applications.
Its median conventional purchase loan costs were $2,550 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.75% (Missouri: 6.625%).
Loans in MO
606
of 851 applications
Denial rate
23.9%
Purchase · MO 6.5%
Rate spread
−0.07 pts
Conv. · MO +0.24 pts
Loan amount
$265,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 594 | 451 | 23.9% | 6.750% | −0.07 pts | $2,550 | $265,000 |
| Refinance | 70 | 42 | 38.6% | — | −0.37 pts | $1,730 | $295,000 |
| Cash-out refinance | 187 | 113 | 39.6% | 6.500% | −0.20 pts | $1,540 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where First Community ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| St. Charles County | 10 | 187 | 2.4% |
| St. Louis County | 13 | 233 | 1.7% |
| Franklin County | 15 | 31 | 1.9% |
| Jefferson County | 18 | 59 | 1.4% |
| St. Louis city | 18 | 42 | 1.3% |
| Lincoln County | 20 | 18 | 1.5% |
| St. Francois County | 22 | 7 | 0.8% |
| Warren County | 23 | 10 | 1.2% |
| Montgomery County | 24 | 2 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology