First Bank (Missouri) mortgage approval rate & lending review
First Bank (Missouri) decided 4,809 mortgage applications and funded 4,019 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Bank (Missouri) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Bank (Missouri) at a glance
Approval is 4.7 points above the 80.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,515 / 2,608 | 100% | $275K | 2,508 |
| Home improvement loans | 58% | 477 / 816 | 94% | $205K | 446 |
| Cash-out refinance | 84% | 173 / 207 | 98% | $225K | 169 |
| Refinance | 76% | 618 / 814 | 95% | $295K | 586 |
| Investment property purchase | 91% | 249 / 275 | 100% | $205K | 249 |
| Investment cash-out refinance | 71% | 25 / 35 | 100% | $275K | 25 |
| Investment refinance | 80% | 35 / 44 | 97% | $185K | 34 |
First Bank (Missouri) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 92% | $245K | 1,575 | 1,427 |
| California | 69% | $305K | 1,566 | 1,037 |
| Nebraska | 96% | $275K | 713 | 685 |
| Kansas | 97% | $335K | 591 | 573 |
| Illinois | 63% | $185K | 116 | 73 |
| Florida | 88% | $425K | 50 | 44 |
| Texas | 90% | $315K | 29 | 26 |
| Colorado | 90% | $445K | 21 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Bank (Missouri) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Mortgage lenders | 99% | 407 | 401 |
| Jackson County, MO | Mortgage lenders | 94% | 378 | 356 |
| Lancaster County, NE | Mortgage lenders | 97% | 268 | 259 |
| Douglas County, NE | Mortgage lenders | 98% | 248 | 244 |
| St. Charles County, MO | Mortgage lenders | 95% | 138 | 130 |
| St. Louis County, MO | Mortgage lenders | 96% | 134 | 128 |
| St. Louis city, MO | Mortgage lenders | 96% | 134 | 128 |
| Clay County, MO | Mortgage lenders | 99% | 128 | 127 |
| Los Angeles County, CA | Refinance | 66% | 190 | 120 |
| Los Angeles County, CA | Home improvement loans | 59% | 190 | 107 |
| Orange County, CA | Refinance | 75% | 119 | 87 |
| Sarpy County, NE | Mortgage lenders | 99% | 76 | 75 |
The county markets where First Bank (Missouri) made the most loans. Each link opens that market with every lender ranked.
Questions about First Bank (Missouri)
What is First Bank (Missouri)'s mortgage approval rate?
First Bank (Missouri) approved 85.1% of the 4,809 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.7 points above the 80.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Bank (Missouri) offers?
Borrowers accepted 98% of the loans First Bank (Missouri) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Bank (Missouri) make?
The typical home purchase mortgage loan First Bank (Missouri) made was $275K; across all loan types its typical loan ran from $185K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Bank (Missouri) lend?
First Bank (Missouri) decided applications in 40 of the states Fat Boy Data covers, most of them in Missouri, California and Nebraska.
Can I apply to First Bank (Missouri) directly?
Yes. First Bank (Missouri) is a bank or credit union with 303 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Bank (Missouri)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Bank (Missouri) treats applications, then get a rate quote from the lender.