First Community (Missouri) mortgage approval rate & lending review
First Community (Missouri) decided 5,095 mortgage applications and funded 3,266 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Community (Missouri) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Community (Missouri) at a glance
Approval is 0.4 points below the 71.5% 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 | 76% | 1,219 / 1,613 | 89% | $225K | 1,086 |
| Home improvement loans | 69% | 2,039 / 2,960 | 92% | $65K | 1,883 |
| Cash-out refinance | 67% | 248 / 369 | 81% | $245K | 200 |
| Refinance | 79% | 86 / 109 | 83% | $235K | 71 |
| Investment property purchase | 69% | 25 / 36 | 88% | $275K | 22 |
First Community (Missouri) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 72% | $65K | 4,584 | 3,004 |
| Illinois | 58% | $105K | 455 | 230 |
| Florida | 78% | $365K | 23 | 17 |
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 Community (Missouri) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Charles County, MO | Home improvement loans | 74% | 1,428 | 981 |
| St. Charles County, MO | Mortgage lenders | 79% | 707 | 493 |
| Jefferson County, MO | Home improvement loans | 69% | 568 | 356 |
| St. Louis County, MO | Home improvement loans | 65% | 266 | 160 |
| St. Louis city, MO | Home improvement loans | 65% | 266 | 160 |
| Jefferson County, MO | Mortgage lenders | 75% | 230 | 155 |
| St. Louis County, MO | Mortgage lenders | 74% | 179 | 118 |
| St. Louis city, MO | Mortgage lenders | 74% | 179 | 118 |
| Franklin County, MO | Home improvement loans | 68% | 164 | 105 |
| St. Charles County, MO | Cash-out refinance | 71% | 161 | 91 |
| Franklin County, MO | Mortgage lenders | 74% | 106 | 73 |
| Madison County, IL | Home improvement loans | 56% | 114 | 58 |
The county markets where First Community (Missouri) made the most loans. Each link opens that market with every lender ranked.
Questions about First Community (Missouri)
What is First Community (Missouri)'s mortgage approval rate?
First Community (Missouri) approved 71.1% of the 5,095 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points below the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan First Community (Missouri) offers?
Borrowers accepted 90% of the loans First Community (Missouri) approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Community (Missouri) make?
The typical home improvement loan loan First Community (Missouri) made was $65K; across all loan types its typical loan ran from $65K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Community (Missouri) lend?
First Community (Missouri) decided applications in 12 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Florida.
Can I apply to First Community (Missouri) directly?
Yes. First Community (Missouri) is a bank or credit union with 111 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Community (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 Community (Missouri) treats applications, then get a rate quote from the lender.