FCS Financial, FLCA
FCS Financial, FLCA received 217 applications in 2025 and made 174 mortgages, in 72 counties across 1 state. The median rate its borrowers got was 7.200% on a median loan of $255,000. Of 190 decisions, 16 were denials — 8.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300UXCRU4C6HBN492 |
|---|---|
| Applications received | 217 |
| Mortgages made | 174 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.81 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 105 | 7.275% | $285,000 | 8.7% |
| Refinancing | 42 | 7.100% | $275,000 | 10.6% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 21 | 7.300% | $135,000 | 4.6% |
Where FCS Financial, FLCA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, MO | 9 | Under 10 loans | 0.0% |
| Lafayette County, MO | 8 | Under 10 loans | 11.1% |
| Bates County, MO | 7 | Under 10 loans | 0.0% |
| Henry County, MO | 7 | Under 10 loans | 0.0% |
| Cass County, MO | 6 | Under 10 loans | 25.0% |
| Franklin County, MO | 6 | Under 10 loans | 0.0% |
| Montgomery County, MO | 5 | Under 10 loans | 0.0% |
| Vernon County, MO | 5 | Under 10 loans | 16.7% |
| Audrain County, MO | 4 | Under 10 loans | 0.0% |
| Benton County, MO | 4 | Under 10 loans | 0.0% |
| Camden County, MO | 4 | Under 10 loans | 20.0% |
| Cedar County, MO | 4 | Under 10 loans | 0.0% |
| Jackson County, MO | 4 | Under 10 loans | 0.0% |
| Lincoln County, MO | 4 | Under 10 loans | 0.0% |
| Ray County, MO | 4 | Under 10 loans | 0.0% |
| St. Clair County, MO | 4 | Under 10 loans | 0.0% |
| Andrew County, MO | 3 | Under 10 loans | 0.0% |
| Barry County, MO | 3 | Under 10 loans | 25.0% |
| Clinton County, MO | 3 | Under 10 loans | 0.0% |
| Dade County, MO | 3 | Under 10 loans | 0.0% |
| Harrison County, MO | 3 | Under 10 loans | 40.0% |
| Hickory County, MO | 3 | Under 10 loans | 0.0% |
| McDonald County, MO | 3 | Under 10 loans | 0.0% |
| Perry County, MO | 3 | Under 10 loans | 0.0% |
| Pettis County, MO | 3 | Under 10 loans | 0.0% |
| St. Charles County, MO | 3 | Under 10 loans | 0.0% |
| Warren County, MO | 3 | Under 10 loans | 0.0% |
| Adair County, MO | 2 | Under 10 loans | 0.0% |
| Boone County, MO | 2 | Under 10 loans | 0.0% |
| Buchanan County, MO | 2 | Under 10 loans | 0.0% |
| Callaway County, MO | 2 | Under 10 loans | 0.0% |
| Daviess County, MO | 2 | Under 10 loans | 0.0% |
| Gentry County, MO | 2 | Under 10 loans | 0.0% |
| Greene County, MO | 2 | Under 10 loans | 0.0% |
| Grundy County, MO | 2 | Under 10 loans | 0.0% |
| Jasper County, MO | 2 | Under 10 loans | 33.3% |
| Livingston County, MO | 2 | Under 10 loans | 33.3% |
| Macon County, MO | 2 | Under 10 loans | 0.0% |
| Morgan County, MO | 2 | Under 10 loans | 0.0% |
| Newton County, MO | 2 | Under 10 loans | 0.0% |
| Nodaway County, MO | 2 | Under 10 loans | 0.0% |
| Saline County, MO | 2 | Under 10 loans | 0.0% |
| Scotland County, MO | 2 | Under 10 loans | 0.0% |
| Stone County, MO | 2 | Under 10 loans | 33.3% |
| Taney County, MO | 2 | Under 10 loans | 0.0% |
| Webster County, MO | 2 | Under 10 loans | 0.0% |
| Carroll County, MO | 1 | Under 10 loans | 0.0% |
| Chariton County, MO | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.