Lender in Missouri · HMDA 2025
First State Bank of St. Charles, Missouri mortgages in Missouri
First State Bank of St. Charles, Missouri's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
First State Bank of St. Charles, Missouri originated 1,209 owner-occupied single-family loans in Missouri from 1,209 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $3,710 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.50% (Missouri: 6.625%).
Loans in MO
1,209
of 1,209 applications
Denial rate
0.0%
Purchase · MO 6.5%
Rate spread
+0.12 pts
Conv. · MO +0.24 pts
Loan amount
$285,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 989 | 989 | 0.0% | 6.500% | +0.12 pts | $3,710 | $285,000 |
| Refinance | 156 | 156 | 0.0% | 6.500% | +0.06 pts | $2,680 | $315,000 |
| Cash-out refinance | 64 | 64 | 0.0% | 6.625% | +0.25 pts | $2,980 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where First State Bank of St. Charles, Missouri ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Warren County | 3 | 46 | 5.6% |
| Montgomery County | 3 | 8 | 5.8% |
| Lincoln County | 5 | 51 | 4.3% |
| St. Charles County | 8 | 232 | 3.0% |
| Pike County | 8 | 6 | 2.9% |
| Clay County | 9 | 101 | 2.1% |
| Jackson County | 10 | 257 | 2.4% |
| Franklin County | 10 | 46 | 2.8% |
| Camden County | 10 | 15 | 1.8% |
| St. Louis County | 14 | 229 | 1.7% |
| Boone County | 15 | 26 | 1.0% |
| Platte County | 16 | 27 | 1.5% |
| Miller County | 16 | 4 | 1.2% |
| Cass County | 17 | 35 | 1.6% |
| Crawford County | 19 | 3 | 1.3% |
| St. Louis city | 22 | 38 | 1.2% |
| Callaway County | 23 | 4 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology