FIRST COMMUNITY
FIRST COMMUNITY received 4,692 applications in 2025 and made 2,572 mortgages, in 82 counties across 10 states. The median rate its borrowers got was 5.950% on a median loan of $95,000. Of 3,811 decisions, 1,234 were denials — 32.4%, most often for debt-to-income ratio. 39 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300T67186NPGCHI50 |
|---|---|
| Applications received | 4,692 |
| Mortgages made | 2,572 |
| Denied | 1,234 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 881 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.97 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 | 591 | 6.500% | $245,000 | 28.4% |
| Refinancing | 46 | 5.950% | $300,000 | 39.0% |
| Cash-out refinancing | 134 | 6.000% | $215,000 | 38.8% |
| Other purposes | 1,801 | 4.990% | $75,000 | 32.9% |
Where FIRST COMMUNITY 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 |
|---|---|---|---|
| St. Louis County, MO | 1,019 | 5.950% | 31.0% |
| St. Charles County, MO | 747 | 5.950% | 27.9% |
| Jefferson County, MO | 265 | 6.625% | 31.9% |
| St. Louis city, MO | 141 | 6.875% | 30.5% |
| Franklin County, MO | 90 | 6.875% | 32.8% |
| Lincoln County, MO | 56 | 7.808% | 35.6% |
| Madison County, IL | 55 | 6.000% | 46.6% |
| Warren County, MO | 50 | 6.750% | 39.0% |
| St. Clair County, IL | 37 | 6.950% | 54.8% |
| Monroe County, IL | 20 | 7.000% | 33.3% |
| St. Francois County, MO | 15 | 6.500% | 44.4% |
| Ste. Genevieve County, MO | 5 | Under 10 loans | 28.6% |
| Camden County, MO | 4 | Under 10 loans | 50.0% |
| Washington County, MO | 4 | Under 10 loans | 20.0% |
| Cape Girardeau County, MO | 3 | Under 10 loans | 0.0% |
| Crawford County, MO | 3 | Under 10 loans | 62.5% |
| Gasconade County, MO | 3 | Under 10 loans | 25.0% |
| Montgomery County, MO | 3 | Under 10 loans | 50.0% |
| Pike County, MO | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Clinton County, IL | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Randolph County, IL | 2 | Under 10 loans | 0.0% |
| Greene County, MO | 2 | Under 10 loans | 50.0% |
| Jackson County, MO | 2 | Under 10 loans | 0.0% |
| Madison County, MO | 2 | Under 10 loans | 33.3% |
| Miller County, MO | 2 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Sharp County, AR | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 50.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Bond County, IL | 1 | Under 10 loans | 0.0% |
| Calhoun County, IL | 1 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Johnson County, IL | 1 | Under 10 loans | 0.0% |
| Macoupin County, IL | 1 | Under 10 loans | 50.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Boone County, MO | 1 | Under 10 loans | 85.7% |
| Callaway County, MO | 1 | Under 10 loans | 66.7% |
| Cedar County, MO | 1 | Under 10 loans | 0.0% |
| Howard County, MO | 1 | Under 10 loans | 50.0% |
| Howell County, MO | 1 | Under 10 loans | 0.0% |
| Iron County, MO | 1 | Under 10 loans | 66.7% |
| Maries County, MO | 1 | Under 10 loans | 0.0% |
| Newton County, MO | 1 | Under 10 loans | 0.0% |
Get told when this changes
When FIRST COMMUNITY’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.