# First Missouri State Bank of Cape County

> **Canonical URL:** https://saferate.com/lenders/first-missouri-state-bank-of-cape-county


> **📋 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 Missouri State Bank of Cape County is a bank, headquartered in Cape Girardeau, MO, serving borrowers across 2 states, with 56 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005C8ZBTKUWJPI93
- **Headquarters:** Cape Girardeau, MO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.044%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $865
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 56
- **Dollar Volume:** $13 million
- **Applications Received:** 68
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $238,393
- **Average Borrower Income:** $120,339
- **Average Property Value:** $346,273

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 55 | +0.044% | $865 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 38 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 39 | $10M | +0.101% | Sound ☺️ |
| Refinance | 49/100 | 17 | $4M | -0.062% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 55 | 0.07% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cape Girardeau, MO | MO-IL | 45 | 89/100 |

## Where This Lender Ranks

First Missouri State Bank of Cape County appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Cape Girardeau, MO Banks
  - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/banks)
- 🥉 **#3** in Cape Girardeau, MO
  - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders)
- 🏆 **#4** in Cape Girardeau, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Cape Girardeau, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does First Missouri State Bank of Cape County offer?

First Missouri State Bank of Cape County offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Missouri State Bank of Cape County offer mortgages?

First Missouri State Bank of Cape County offers mortgages in 2 states: FL, MO.

### How competitive are First Missouri State Bank of Cape County's mortgage rates?

First Missouri State Bank of Cape County has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.044% above market average.

### What type of lender is First Missouri State Bank of Cape County?

First Missouri State Bank of Cape County is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cape Girardeau, MO.

### What is First Missouri State Bank of Cape County's loan approval success rate?

First Missouri State Bank of Cape County has a pull-through score of 44/100 (Sound). 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-missouri-state-bank-of-cape-county

### How to Cite

> "First Missouri State Bank of Cape County Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-missouri-state-bank-of-cape-county

---

**[View Interactive Profile →](https://saferate.com/lenders/first-missouri-state-bank-of-cape-county)**