# First Bank

> **Canonical URL:** https://saferate.com/lenders/first-bank-mo


> **📋 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


First Bank is a bank, headquartered in Creve Coeur, MO, serving borrowers across 29 states, with 1,238 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300DT7WZ1SOTNFJ62
- **Headquarters:** Creve Coeur, MO
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, MA, MI, MN, MO, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.140%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,471
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,238
- **Dollar Volume:** $445 million
- **Applications Received:** 1,568
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $359,580
- **Average Borrower Income:** $159,739
- **Average Property Value:** $492,811

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 1,018 | +0.125% | $1,462 | Strong 😀 |
| FHA | 69/100 | 119 | +0.413% | $1,916 | Strong 😀 |
| VA | 68/100 | 59 | -0.221% | $819 | Strong 😀 |
| Jumbo | 73/100 | 39 | +0.211% | $1,277 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 881 loans, Score: 70/100 (Strong)
- Refinance: 137 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 105 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 54 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 30 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 1,073 | $385M | +0.133% | Strong 😀 |
| Refinance | 64/100 | 165 | $60M | +0.182% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 547 | 0.73% | 80/100 |
| KS | 232 | 0.77% | 81/100 |
| NE | 228 | 1.07% | 78/100 |
| CA | 118 | 0.04% | 58/100 |
| IL | 20 | 0.02% | 43/100 |
| OK | 17 | 0.04% | 44/100 |
| FL | 11 | 0.00% | 33/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 465 | 84/100 |
| St. Louis, MO | MO-IL | 255 | 80/100 |
| Omaha, NE | NE-IA | 130 | 75/100 |
| Lincoln, NE | NE | 94 | 72/100 |
| Non |  | 80 | 46/100 |
| San Jose | CA | 18 | 48/100 |
| Los Angeles | CA | 16 | 43/100 |
| San Francisco | CA | 13 | 45/100 |
| Anaheim | CA | 12 | 42/100 |
| Riverside | CA | 12 | 40/100 |
| Oakland | CA | 11 | 41/100 |

## Where This Lender Ranks

First Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🥉 **#3** in Kansas City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#4** in Missouri for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)
- 🏆 **#4** in Kansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Nebraska for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Omaha, NE for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Missouri
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders)
- 🏆 **#5** in Kansas City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Lincoln, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Missouri for Conventional Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Lincoln, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Missouri for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Kansas City, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Omaha, NE for Jumbo Loans
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/jumbo-loans)
- 🏆 **#7** in Lincoln, NE
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does First Bank offer?

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

### Where does First Bank offer mortgages?

First Bank offers mortgages in 29 states: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, MA, MI, MN, MO, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV.

### How competitive are First Bank's mortgage rates?

First Bank has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.140% above market average.

### What type of lender is First Bank?

First Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Creve Coeur, MO.

### What is First Bank's loan approval success rate?

First Bank has a pull-through score of 71/100 (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/first-bank-mo

### How to Cite

> "First Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-bank-mo

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