# FCS Financial, FLCA

> **Canonical URL:** https://saferate.com/lenders/fcs-financial-flca

> **📋 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

FCS Financial, FLCA is a independent mortgage company, headquartered in Jefferson City, MO, serving borrowers across 2 states, with 92 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300UXCRU4C6HBN492
- **Headquarters:** Jefferson City, MO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AR, MO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.909%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,414
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 92
- **Dollar Volume:** $22 million
- **Applications Received:** 111
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $239,783
- **Average Borrower Income:** $142,424

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 92 | +0.909% | $1,414 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 63 loans, Score: 29/100 (Acceptable)
- Refinance: 29 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 63 | $16M | +0.873% | Acceptable 🙂 |
| Refinance | 35/100 | 29 | $6M | +0.977% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 91 | 0.12% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 55 | 53/100 |
| Kansas City, MO | MO-KS | 17 | 51/100 |
| Springfield, MO | MO | 11 | 47/100 |

## Frequently Asked Questions

### What loan types does FCS Financial, FLCA offer?

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

### Where does FCS Financial, FLCA offer mortgages?

FCS Financial, FLCA offers mortgages in 2 states: AR, MO.

### How competitive are FCS Financial, FLCA's mortgage rates?

FCS Financial, FLCA has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.909% above market average.

### What type of lender is FCS Financial, FLCA?

FCS Financial, FLCA is a non-depository lender that specializes in mortgage origination, headquartered in Jefferson City, MO.

### What is FCS Financial, FLCA's loan approval success rate?

FCS Financial, FLCA has a pull-through score of 45/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/fcs-financial-flca

### How to Cite

> "FCS Financial, FLCA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fcs-financial-flca

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