What loan types does FCS Financial, FLCA offer?

FCS Financial, FLCA offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 15.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FCS Financial, FLCA?

FCS Financial, FLCA is a Independent Mortgage Company headquartered in Jefferson City, MO.

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FCS Financial, FLCA

Independent Mortgage Company•Jefferson City, MOHQ•Direct•Reviews near you on Google

FCS Financial, FLCA has 92 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 91 basis points above market average

Explore another lender or local market

Report Card

FCS Financial, FLCA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+90.9 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

92 loans · 0.91% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

63 loans · 0.87% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

29 loans · 0.98% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Sound	92	100.0%	+0.909%Above	$1,414Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume92

Mix100.0%

Spread

+0.909%Above

Fees

$1,414Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Sound	63	68.5%	+0.873%Above	$1,493Fees
Refinance	Sound	Acceptable	—	Sound	29	31.5%	+0.977%Above	$1,267Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume63

Mix68.5%

Spread

+0.873%Above

Fees

$1,493Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume29

Mix31.5%

Spread

+0.977%Above

Fees

$1,267Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

111

Volume

$22 million

Pricing & Closing

Avg Rate Spread

+0.909%

vs. market APOR

Avg Net Fees

$1,414

Origination − Credits

Pullthrough Rate

82.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$239,783

Avg Borrower Income

$142,424

Avg Property Value

$519,783

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

South1

Top Metro Areas by Place Specialization Score

Kansas City, MO, MO-KSMetro

Volume 17Mix 18.48% of portfolio

51/100

Sound

Springfield, MOMetro

Volume 11Mix 11.96% of portfolio

47/100

Sound

Top States by Place Specialization Score

MissouriState

Volume 91Mix 98.91% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.