First State Bank of St. Charles, Missouri: 2025 mortgage rates, costs & approvals
How First State Bank of St. Charles, Missouri priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First State Bank of St. Charles, Missouri · LEI 549300C1ICNCM0V37Y02
In 2025, First State Bank of St. Charles, Missouri originated 1,906 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 36 states — 287th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 5 basis points below the national median. Median conventional loan costs were $3,510, 37% lower than the national median ($5,570).
It denied 0.0% of completed home-purchase applications (all lenders: 8.5%).
How First State Bank of St. Charles, Missouri priced home-purchase loans
| Purchase loans, 2025 | First State Bank of St. Charles, Missouri | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.08 pts | +0.13 pts |
| Total loan costs · conventional | $3,510 | $5,570 |
| Total loan costs · FHA | $8,600 | $11,310 |
| Total loan costs · VA | $4,440 | $6,490 |
| Origination charges (all types) | $1,380 | $1,860 |
| Borrowers paying discount points | 16.5% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 17.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where First State Bank of St. Charles, Missouri lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Missouri | 1,209 | 1,209 | 0.0% | 6.500% | $3,710 |
| Kansas | 549 | 549 | 0.0% | 6.500% | $3,050 |
| Arizona | 33 | 33 | 0.0% | 6.625% | $5,930 |
| Illinois | 27 | 27 | 0.0% | — | — |
| Texas | 11 | 11 | — | — | — |
| Tennessee | 9 | 9 | — | — | — |
| Colorado | 8 | 8 | — | — | — |
| Florida | 7 | 7 | — | — | — |
| Arkansas | 4 | 4 | — | — | — |
| California | 4 | 4 | — | — | — |
| Oklahoma | 4 | 4 | — | — | — |
| Virginia | 4 | 4 | — | — | — |
| Georgia | 3 | 3 | — | — | — |
| Minnesota | 3 | 3 | — | — | — |
| Iowa | 2 | 2 | — | — | — |
| Indiana | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Michigan | 2 | 2 | — | — | — |
| North Carolina | 2 | 2 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| New Jersey | 2 | 2 | — | — | — |
| Ohio | 2 | 2 | — | — | — |
| Washington | 2 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Connecticut | 1 | 1 | — | — | — |
| Idaho | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| Maryland | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Wisconsin | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First State Bank of St. Charles, Missouri's page for that state.
Counties where First State Bank of St. Charles, Missouri is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County, MO | 3 | 8 | 5.8% |
| Warren County, MO | 3 | 46 | 5.6% |
| Miami County, KS | 5 | 28 | 4.6% |
| Lincoln County, MO | 5 | 51 | 4.3% |
| Leavenworth County, KS | 5 | 58 | 4.0% |
| Johnson County, KS | 5 | 375 | 3.8% |
| St. Charles County, MO | 8 | 232 | 3.0% |
| Pike County, MO | 8 | 6 | 2.9% |
| Wyandotte County, KS | 7 | 55 | 2.9% |
| Linn County, KS | 9 | 3 | 2.8% |
| Franklin County, MO | 10 | 46 | 2.8% |
| Jackson County, MO | 10 | 257 | 2.4% |
| Henderson County, IL | 14 | 1 | 2.2% |
| Clay County, MO | 9 | 101 | 2.1% |
| Camden County, MO | 10 | 15 | 1.8% |
Check First State Bank of St. Charles, Missouri yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300C1ICNCM0V37Y02.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First State Bank of St. Charles, Missouri with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology