FOCUS BANK
FOCUS BANK received 323 applications in 2025 and made 258 mortgages, in 31 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 296 decisions, 34 were denials — 11.5%.
| Legal Entity Identifier | 25490000VM5YTLF4NM50 |
|---|---|
| Applications received | 323 |
| Mortgages made | 258 |
| Denied | 34 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Focus Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 127 | Not published | $165,000 | 12.8% |
| Refinancing | 78 | Not published | $105,000 | 4.8% |
| Other purposes | 53 | Not published | $55,000 | 16.9% |
Where FOCUS BANK lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greene County, AR | 95 | Not published | 5.0% |
| Craighead County, AR | 60 | Not published | 9.0% |
| Scott County, MO | 18 | Not published | 26.9% |
| Baxter County, AR | 11 | Not published | 0.0% |
| Mississippi County, MO | 11 | Not published | 42.1% |
| New Madrid County, MO | 9 | Under 10 loans | 10.0% |
| Clay County, AR | 6 | Under 10 loans | 14.3% |
| Jackson County, AR | 5 | Under 10 loans | 0.0% |
| Poinsett County, AR | 5 | Under 10 loans | 0.0% |
| Cape Girardeau County, MO | 4 | Under 10 loans | 20.0% |
| Dunklin County, MO | 4 | Under 10 loans | 20.0% |
| Stoddard County, MO | 4 | Under 10 loans | 0.0% |
| Lawrence County, AR | 3 | Under 10 loans | 25.0% |
| Pulaski County, AR | 3 | Under 10 loans | 0.0% |
| Pemiscot County, MO | 3 | Under 10 loans | 40.0% |
| St. Louis city, MO | 3 | Under 10 loans | 0.0% |
| Mississippi County, AR | 2 | Under 10 loans | 0.0% |
| Butler County, MO | 2 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Izard County, AR | 1 | Under 10 loans | 0.0% |
| Sharp County, AR | 1 | Under 10 loans | 0.0% |
| Van Buren County, AR | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 1 | Under 10 loans | 0.0% |
| Osage County, KS | 1 | Under 10 loans | 0.0% |
| Marshall County, KY | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Washington County, VA | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 0 | Under 10 loans | Not published |
| Randolph County, AR | 0 | Under 10 loans | 100.0% |
| Boone County, MO | 0 | Under 10 loans | 0.0% |
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When FOCUS BANK’s figures are published for the next year, or restated.
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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.