FCB Banks
FCB Banks received 2,168 applications in 2025 and made 1,716 mortgages, in 74 counties across 15 states. The median rate its borrowers got was 6.950% on a median loan of $155,000. Of 1,900 decisions, 178 were denials — 9.4%, most often for credit history.
| Legal Entity Identifier | 549300L8JRY60EOROT34 |
|---|---|
| Applications received | 2,168 |
| Mortgages made | 1,716 |
| Denied | 178 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 268 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.7 points |
| FDIC-insured bank | Yes: FCB Banks, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,000 | 6.750% | $205,000 | 5.1% |
| Refinancing | 234 | 6.990% | $135,000 | 14.0% |
| Cash-out refinancing | 80 | 7.050% | $135,000 | 9.9% |
| Other purposes | 402 | 7.750% | $65,000 | 15.9% |
Where FCB Banks lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Madison County, IL | 599 | 6.875% | 9.2% |
| St. Clair County, IL | 371 | 6.875% | 14.1% |
| St. Louis County, MO | 237 | 7.050% | 7.8% |
| Clinton County, IL | 212 | 6.990% | 5.4% |
| St. Louis city, MO | 79 | 7.150% | 8.1% |
| Monroe County, IL | 30 | 6.850% | 9.1% |
| Jefferson County, MO | 27 | 6.750% | 0.0% |
| St. Charles County, MO | 24 | 7.125% | 0.0% |
| Bond County, IL | 13 | 6.750% | 18.8% |
| Macoupin County, IL | 11 | 6.750% | 8.3% |
| Randolph County, IL | 10 | 6.875% | 9.1% |
| Washington County, IL | 9 | Under 10 loans | 25.0% |
| Camden County, MO | 7 | Under 10 loans | 0.0% |
| Fayette County, IL | 6 | Under 10 loans | 0.0% |
| Montgomery County, IL | 6 | Under 10 loans | 14.3% |
| Bay County, FL | 4 | Under 10 loans | 0.0% |
| Jersey County, IL | 4 | Under 10 loans | 0.0% |
| Marion County, IL | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 3 | Under 10 loans | 0.0% |
| Jefferson County, IL | 3 | Under 10 loans | 40.0% |
| Clay County, MO | 3 | Under 10 loans | 0.0% |
| Lincoln County, MO | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Franklin County, MO | 2 | Under 10 loans | 0.0% |
| Miller County, MO | 2 | Under 10 loans | 0.0% |
| Phelps County, MO | 2 | Under 10 loans | 0.0% |
| Warren County, MO | 2 | Under 10 loans | 0.0% |
| Berkeley County, WV | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Glynn County, GA | 1 | Under 10 loans | 0.0% |
| Clay County, IL | 1 | Under 10 loans | 0.0% |
| Edwards County, IL | 1 | Under 10 loans | 0.0% |
| Macon County, IL | 1 | Under 10 loans | 0.0% |
| Moultrie County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Tazewell County, IL | 1 | Under 10 loans | 50.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 0.0% |
| Warrick County, IN | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Adair County, MO | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.