# FCB Banks

> **Canonical URL:** https://saferate.com/lenders/fcb-banks


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FCB Banks is a bank, headquartered in Collinsville, IL, serving borrowers across 10 states, with 691 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300L8JRY60EOROT34
- **Headquarters:** Collinsville, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AR, FL, IL, IN, KS, KY, MO, MT, NE, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.087%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $711
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 691
- **Dollar Volume:** $174 million
- **Applications Received:** 909
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $252,410
- **Average Borrower Income:** $122,247
- **Average Property Value:** $346,954

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **FHA Gold Superstar** (65%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 601 | -0.086% | $694 | Strong 😀 |
| FHA | 59/100 | 44 | +0.204% | $673 | Sound ☺️ |
| VA | 62/100 | 26 | -0.532% | $1,005 | Strong 😀 |
| USDA | 75/100 | 18 | -0.180% | $677 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 518 loans, Score: 65/100 (Strong)
- Refinance: 83 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 38 loans, Score: 58/100 (Sound)

**VA:**
- Purchase: 22 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 598 | $156M | -0.090% | Strong 😀 |
| Refinance | 58/100 | 93 | $18M | -0.069% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 566 | 0.45% | 84/100 |
| MO | 108 | 0.14% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 642 | 94/100 |
| Non |  | 31 | 34/100 |

## Where This Lender Ranks

FCB Banks appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)
- 🥇 **#1** in St. Louis, MO Banks
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks)
- 🥇 **#1** in St. Louis, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in St. Louis, MO for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Illinois for USDA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Illinois for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Illinois Banks
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks)
- 🏆 **#5** in St. Louis, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Illinois for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Illinois
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders)
- 🏆 **#7** in St. Louis, MO for VA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/va-loans)
- 🏆 **#9** in Illinois for VA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/va-loans)
- 🏆 **#10** in Illinois for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in St. Louis, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in St. Louis, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#15** in St. Louis, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Illinois for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does FCB Banks offer?

FCB Banks offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FCB Banks offer mortgages?

FCB Banks offers mortgages in 10 states: AR, FL, IL, IN, KS, KY, MO, MT, NE, TN.

### How competitive are FCB Banks's mortgage rates?

FCB Banks has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.087% below market average.

### What type of lender is FCB Banks?

FCB Banks is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Collinsville, IL.

### What is FCB Banks's loan approval success rate?

FCB Banks has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fcb-banks

### How to Cite

> "FCB Banks Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fcb-banks

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