Applications / Mortgage Analytics / Lenders / Missouri / FCS Financial, FLCA
Jefferson City, MO · Independent non-bank lender · CFPB · 174 loans in 2025
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174
loans originated, 2025
217
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FCS Financial, FLCA is a rural Missouri lender that grew briskly in 2025, making 174 loans against 132 a year earlier.
Its originations rose 32%. Similar lenders, independent non-bank lenders making between half and twice as many loans, were flat at the middle of the group, and the whole market grew 10%. It grew faster than about four in five of them. Its count has more than doubled since 2023, when it made 82 loans.
All its lending is in Missouri, spread over 64 counties. Its biggest market lies outside the metros, where it ranked 49 of 640 lenders; Flat Branch Mortgage led there. In the cities it is a small presence, ranking 172 of 659 in Kansas City and 202 of 637 in St. Louis, though its share edged up 0.1 points in each.
Every loan it made was conventional, with none backed by the government. Manufactured homes made up 8.6% of its loans, against 0.3% for similar lenders, a higher share than almost nine in ten of them. Purchases were 60.3% of its lending.
Its typical rate was 7.20%, against 6.60% for similar lenders, higher than about nine in ten of them. Loans on manufactured homes, which often carry higher rates, are one possible reason. Few of its loans were higher-priced, meaning a rate well above the average for similar loans: 1.1%, against 1.7% for its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FCS Financial, FLCA took 217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.3% · Refinance 27.6% · Home improvement 6.9% · Other 5.2%
Conventional 100.0% · of 174 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 174 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 34 |
| St. Louis | 16 |
| St. Joseph | 5 |
| Springfield | 5 |
| Jefferson City | 4 |
| Joplin | 4 |
| Columbia | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UXCRU4C6HBN492 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3091607 | 2023–2023 |
Established 31 December 2016. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: FCS Financial, FLCA's data.
FCS Financial, FLCA's data
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FCS Financial, FLCA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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