Lender in Missouri · HMDA 2025
First State Community Bank mortgages in Missouri
First State Community Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
First State Community Bank originated 733 owner-occupied single-family loans in Missouri from 920 completed applications, making it the state's #22 lender by volume.
Its median conventional purchase loan costs were $3,210 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.50% (Missouri: 6.625%).
Loans in MO
733
of 920 applications
Denial rate
17.4%
Purchase · MO 6.5%
Rate spread
−0.00 pts
Conv. · MO +0.24 pts
Loan amount
$215,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 735 | 601 | 17.4% | 6.500% | −0.00 pts | $3,210 | $215,000 |
| Refinance | 131 | 100 | 19.9% | — | −0.24 pts | $1,340 | $145,000 |
| Cash-out refinance | 54 | 32 | 38.9% | 6.500% | +0.08 pts | $3,340 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where First State Community Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 36.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 1 | 30 | 20.8% |
| Gasconade County | 1 | 14 | 8.6% |
| St. Francois County | 2 | 135 | 14.6% |
| Cape Girardeau County | 2 | 75 | 7.2% |
| Washington County | 2 | 42 | 17.5% |
| Perry County | 2 | 36 | 15.6% |
| Iron County | 2 | 13 | 13.0% |
| Laclede County | 3 | 29 | 6.3% |
| Mississippi County | 3 | 6 | 6.6% |
| Ste. Genevieve County | 5 | 15 | 6.4% |
| Dunklin County | 5 | 9 | 5.0% |
| Macon County | 5 | 7 | 6.0% |
| Montgomery County | 5 | 7 | 5.0% |
| Reynolds County | 6 | 3 | 5.0% |
| Randolph County | 7 | 17 | 4.8% |
| Scott County | 8 | 18 | 4.4% |
| Audrain County | 8 | 9 | 2.8% |
| Bollinger County | 8 | 4 | 3.6% |
| New Madrid County | 10 | 3 | 2.2% |
| Saline County | 11 | 6 | 2.1% |
| Jefferson County | 12 | 88 | 2.1% |
| Franklin County | 12 | 44 | 2.7% |
| Boone County | 12 | 34 | 1.4% |
| Cooper County | 14 | 4 | 1.7% |
| Crawford County | 14 | 4 | 1.7% |
| Wayne County | 14 | 2 | 2.1% |
| Warren County | 15 | 14 | 1.7% |
| Adair County | 15 | 2 | 0.8% |
| Harrison County | 15 | 1 | 1.5% |
| Pemiscot County | 15 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology