# FIRST COMMUNITY

> **Canonical URL:** https://saferate.com/lenders/first-community-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 COMMUNITY is a credit union, headquartered in Chesterfield, MO, serving borrowers across 7 states, with 701 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300T67186NPGCHI50
- **Headquarters:** Chesterfield, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AR, FL, IL, KS, MO, NC, SC
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 701
- **Dollar Volume:** $200 million
- **Applications Received:** 2,888
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $284,643
- **Average Borrower Income:** $150,869
- **Average Property Value:** $379,023

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 679 | -0.008% | $-640 | Strong 😀 |
| Jumbo | 70/100 | 22 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 511 loans, Score: 65/100 (Strong)
- Refinance: 168 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 525 | $149M | -0.008% | Strong 😀 |
| Refinance | 67/100 | 176 | $50M | - | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 642 | 0.86% | 84/100 |
| IL | 50 | 0.04% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 639 | 94/100 |
| Non |  | 47 | 40/100 |

## Where This Lender Ranks

FIRST COMMUNITY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Missouri for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in St. Louis, MO for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in St. Louis, MO Credit Unions
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in St. Louis, MO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Missouri Credit Unions
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Missouri for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST COMMUNITY offer?

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

### Where does FIRST COMMUNITY offer mortgages?

FIRST COMMUNITY offers mortgages in 7 states: AR, FL, IL, KS, MO, NC, SC.

### What type of lender is FIRST COMMUNITY?

FIRST COMMUNITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chesterfield, MO.

### What is FIRST COMMUNITY's loan approval success rate?

FIRST COMMUNITY has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-community-mo

### How to Cite

> "FIRST COMMUNITY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-community-mo

---

**[View Interactive Profile →](https://saferate.com/lenders/first-community-mo)**