First State Bank Of St. Charles Missouri Mortgage Rates, Fees & Info

St. Charles, MO

LEI: 549300C1ICNCM0V37Y02

Tax ID: 43-0492450

5 stars - Updated: 4/14/24 - out of 5 stars, based on 44 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First State Bank Of St. Charles Missouri is a smaller bank specializing in Home Purchase loans. First State Bank Of St. Charles Missouri has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Phoenix, Lawrence, and Manhattan among others. We have data for 95 markets. (Some data included below & more in-depth data is available with an active subscription.)

First State Bank Of St. Charles Missouri has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First State Bank Of St. Charles Missouri is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.66% 4/14/24
30 Year Conventional Refi 6.35% 4/14/24
30 Year Cash-out Refi 6.60% 4/14/24
30 Year FHA Purchase 7.20% 4/14/24
30 Year FHA Refi 7.05% 4/14/24
30 Year VA Purchase 6.13% 4/14/24
30 Year USDA Purchase 6.50% 4/14/24
15 Year Conventional Purchase 5.95% 4/14/24
15 Year Conventional Refi 5.84% 4/14/24
15 Year Cash-out Refi 5.84% 4/14/24
15 Year FHA Refi 5.68% 4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First State Bank Of St. Charles Missouri Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First State Bank Of St. Charles Missouri. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,976

Origination Dollar Volume (All Markets)

$585,900,000
Show all (5) awards

Relative Rate

First State Bank Of St. Charles Missouri's average 30 year fixed mortgage rate was 6.68%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.2%.

Relative Fees (Closing Costs)

First State Bank Of St. Charles Missouri's average total fees/closing costs for a 30 year fixed rate mortgage were $4,368.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
KANSAS CITY, MO-KS (FHA|USDA|VA) 904 $282,780,000 $312,810 $4,121 6.66%
ST. LOUIS, MO-IL (FHA|USDA|VA) 725 $189,295,000 $261,097 $4,270 6.93%
Outside of Metro Areas 104 $28,820,000 $277,115 $3,772 6.94%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 50 $22,520,000 $450,400 $7,721 6.66%
LAWRENCE, KS (FHA|USDA|VA) 12 $3,460,000 $288,333 $5,000 6.69%
MANHATTAN, KS (FHA|USDA|VA) 10 $2,330,000 $233,000 $4,797 6.89%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $2,305,000 $461,000 $4,302 6.70%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $2,230,000 $371,667 $5,573 6.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $2,205,000 $441,000 $5,396 6.25%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $2,020,000 $336,667 $5,747 6.48%
SPRINGFIELD, MO (FHA|USDA|VA) 6 $1,910,000 $318,333 $5,082 7.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,705,000 $568,333 $6,752 6.42%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $6,408 6.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,385,000 $461,667 $5,367 6.17%
FORT COLLINS, CO (FHA|USDA|VA) 2 $1,370,000 $685,000 $3,890 6.25%
WICHITA, KS (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,453 6.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 5 $1,305,000 $261,000 $0 8.10%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $1,295,000 $431,667 $2,941 6.79%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 6 $1,290,000 $215,000 $6,101 6.44%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $1,275,000 $425,000 $6,772 6.83%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $1,210,000 $302,500 $4,664 6.72%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,927 6.44%
COLUMBIA, MO (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,997 6.56%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,085,000 $361,667 $7,117 7.08%
Ottawa, KS (FHA|USDA|VA) 3 $1,045,000 $348,333 $9,728 6.46%
Branson, MO (FHA|USDA|VA) 2 $970,000 $485,000 $4,032 6.94%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $870,000 $435,000 $4,561 7.06%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $725,000 $725,000 $5,910 6.25%
McAlester, OK (FHA|USDA|VA) 1 $725,000 $725,000 $5,397 8.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 3 $715,000 $238,333 $4,799 6.71%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $715,000 $715,000 $10,470 6.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $700,000 $350,000 $3,856 6.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $690,000 $345,000 $3,805 6.44%
TULSA, OK (FHA|USDA|VA) 4 $680,000 $170,000 $4,675 6.56%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $675,000 $225,000 $6,271 7.00%
MEDFORD, OR (FHA|USDA|VA) 1 $645,000 $645,000 $5,559 6.38%
Ukiah, CA (FHA|USDA|VA) 1 $615,000 $615,000 $0 7.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $605,000 $605,000 $0 6.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $605,000 $201,667 $3,846 6.54%
Warrensburg, MO (FHA|USDA|VA) 2 $570,000 $285,000 $10,614 7.00%
Show Low, AZ (FHA|USDA|VA) 1 $555,000 $555,000 $4,693 7.63%
Rolla, MO (FHA|USDA|VA) 4 $550,000 $137,500 $2,951 6.69%
BOISE CITY, ID (FHA|USDA|VA) 1 $545,000 $545,000 $5,589 7.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $540,000 $270,000 $7,841 6.06%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $535,000 $535,000 $2,874 6.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $525,000 $525,000 $5,143 6.13%
TOPEKA, KS (FHA|USDA|VA) 2 $500,000 $250,000 $4,857 6.88%
ROCHESTER, NY (FHA|USDA|VA) 1 $485,000 $485,000 $5,351 6.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $475,000 $475,000 $5,569 6.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $465,000 $465,000 $5,811 7.38%
TUCSON, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $4,744 6.44%
Enterprise, AL (FHA|USDA|VA) 1 $445,000 $445,000 $12,756 5.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 2 $430,000 $215,000 $150 6.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $425,000 $425,000 $6,410 6.75%
GREELEY, CO (FHA|USDA|VA) 1 $425,000 $425,000 $3,660 7.38%
MADISON, WI (FHA|USDA|VA) 1 $415,000 $415,000 $4,037 6.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $405,000 $405,000 $4,243 6.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $390,000 $195,000 $3,502 6.31%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $390,000 $195,000 $3,657 6.69%
PANAMA CITY, FL (FHA|USDA|VA) 1 $385,000 $385,000 $8,521 6.25%
Ruidoso, NM (FHA|USDA|VA) 1 $375,000 $375,000 $9,961 7.13%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $375,000 $375,000 $2,854 7.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $355,000 $355,000 $4,473 6.63%
CASPER, WY (FHA|USDA|VA) 1 $355,000 $355,000 $2,353 6.63%
Quincy, IL-MO (FHA|USDA|VA) 1 $345,000 $345,000 $13,839 5.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $335,000 $335,000 $6,326 5.88%
ASHEVILLE, NC (FHA|USDA|VA) 1 $315,000 $315,000 $4,212 7.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $10,447 7.25%
Palestine, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,762 6.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $285,000 $285,000 $4,151 7.38%
FARGO, ND-MN (FHA|USDA|VA) 1 $285,000 $285,000 $4,276 7.00%
TYLER, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,274 6.63%
Pittsburg, KS (FHA|USDA|VA) 2 $270,000 $135,000 $4,496 7.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $5,065 5.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $245,000 $245,000 $3,404 5.63%
DeRidder, LA (FHA|USDA|VA) 1 $245,000 $245,000 $579 7.25%
Riverton, WY (FHA|USDA|VA) 1 $225,000 $225,000 $3,433 6.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $225,000 $225,000 $7,761 5.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $215,000 $215,000 $7,753 5.88%
JOPLIN, MO (FHA|USDA|VA) 1 $215,000 $215,000 $3,943 6.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $215,000 $215,000 $4,354 6.00%
Farmington, MO (FHA|USDA|VA) 2 $210,000 $105,000 $3,436 6.19%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $205,000 $205,000 $6,652 7.50%
Altus, OK (FHA|USDA|VA) 1 $205,000 $205,000 $3,843 6.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.50%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.50%
Mexico, MO (FHA|USDA|VA) 1 $175,000 $175,000 $7,618 6.38%
COLUMBIA, SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,621 6.88%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,133 6.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,119 6.25%
Marshall, MO (FHA|USDA|VA) 1 $125,000 $125,000 $3,210 6.63%
LOUISVILLE, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,266 8.00%
TOLEDO, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,546 5.88%
DECATUR, IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.88%
Winfield, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,508 5.75%
First State Bank Of St. Charles Missouri's top markets include Kansas City, St. Louis, Phoenix, Lawrence, and Manhattan among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,710 $509,570,000 $297,994 $3,721 6.81%
    FHA 181 $47,435,000 $262,072 $8,401 6.62%
    VA 79 $27,705,000 $350,696 $6,666 6.36%
    USDA 6 $1,190,000 $198,333 $5,535 6.63%

    For 2023, First State Bank Of St. Charles Missouri's most frequently originated type of loan was Conventional, with 1,710 originations. Their 2nd most popular type was FHA, with 181 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,813 $550,935,000 $303,880 $4,399 6.76%
    Cash Out Refi 80 $19,570,000 $244,625 $4,292 6.73%
    Refi 58 $11,020,000 $190,000 $3,086 7.45%
    Other 14 $2,290,000 $163,571 $2,650 6.93%
    Home Improvement 11 $2,085,000 $189,545 $3,858 6.95%

    For 2023, First State Bank Of St. Charles Missouri's most frequently cited loan purpose was Home Purchase, with 1,813 originations. The 2nd most popular reason was Cash Out Refi, with 80 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,812 $554,520,000 $306,026 $4,368 6.68%
    Other 89 $14,905,000 $167,472 $2,315 8.12%
    3 Year 47 $7,765,000 $165,213 $3,084 8.02%
    15 Year 17 $5,795,000 $340,882 $4,256 6.09%
    1 Year 5 $1,255,000 $251,000 $0 8.05%
    20 Year 4 $1,550,000 $387,500 $3,502 6.56%
    5 Year 2 $110,000 $55,000 $0 8.13%

    For 2023, First State Bank Of St. Charles Missouri's most frequently cited loan duration was 30 Year, with 1,812 originations. The 2nd most popular length was Other, with 89 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,363 $420,595,000 $308,580
    $2k-3k 169 $54,345,000 $321,568
    $3k-4k 65 $20,175,000 $310,385
    $5k+ 57 $26,215,000 $459,912
    $4k-5k 38 $14,160,000 $372,632
    $<1k 11 $3,195,000 $290,455

    First State Bank Of St. Charles Missouri's average total fees were $4,368, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,363 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,116 $347,020,000 $310,950
    7-8% 518 $155,240,000 $299,691
    5-6% 233 $56,465,000 $242,339
    Over 8% 93 $19,695,000 $211,774
    4-5% 16 $7,480,000 $467,500

    During 2023, First State Bank Of St. Charles Missouri's average interest rate for loans was 6.68%, while their most frequently originated rate bucket for loans was 6-7%, with 1,116 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 978 $282,210,000 $288,558 $4,403 6.78%
    $100k-200k 481 $74,115,000 $154,085 $3,703 6.76%
    $400k-600k 297 $141,355,000 $475,943 $4,876 6.70%
    $100,000 or less 109 $8,005,000 $73,440 $3,278 7.07%
    $600k-1MM 105 $72,665,000 $692,048 $5,105 6.75%
    $1MM+ 6 $7,550,000 $1,258,333 $9,097 6.96%

    2023 saw First State Bank Of St. Charles Missouri place emphasis on $200k-400k loans with 978 originations, totaling $282,210,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 443 $137,615,000 $310,643 $4,615 6.75%
    $150k-250k 439 $166,555,000 $379,396 $4,396 6.78%
    $50k-75k 313 $63,565,000 $203,083 $4,018 6.51%
    $75k-100k 310 $79,550,000 $256,613 $4,426 6.67%
    $250k+ 207 $98,255,000 $474,662 $4,507 6.80%
    $50k or less 122 $16,030,000 $131,393 $3,866 6.38%

    First State Bank Of St. Charles Missouri lent most frequently to those with incomes in the $100k-150k range, with 443 originations. The second most popular income band? $150k-250k, with 439 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 336 $105,520,000 $314,048 $4,292 6.68%
    20-30% 335 $100,835,000 $301,000 $3,910 6.63%
    <20% 118 $33,850,000 $286,864 $3,615 6.56%
    40% 90 $26,280,000 $292,000 $4,065 6.68%
    41% 88 $27,810,000 $316,023 $4,218 6.62%
    39% 81 $23,165,000 $285,988 $4,640 6.61%
    43% 79 $25,195,000 $318,924 $4,246 6.81%
    38% 77 $23,025,000 $299,026 $3,815 6.76%
    44% 76 $24,940,000 $328,158 $4,699 6.78%
    45% 73 $22,845,000 $312,945 $4,458 6.73%
    42% 70 $21,490,000 $307,000 $4,272 6.60%
    36% 70 $20,560,000 $293,714 $3,840 6.80%
    49% 69 $22,785,000 $330,217 $5,115 6.79%
    37% 61 $20,265,000 $332,213 $4,536 6.81%
    50-60% 60 $18,350,000 $305,833 $7,428 6.59%
    46% 56 $16,780,000 $299,643 $4,831 6.59%
    47% 52 $14,990,000 $288,269 $4,507 6.81%
    48% 45 $13,015,000 $289,222 $5,221 6.69%
    >60% 2 $1,080,000 $540,000 $5,326 6.88%

    First State Bank Of St. Charles Missouri lent most frequently to those with DTI ratios of 30-36%, with 336 originations. The next most common DTI ratio? 20-30%, with 335 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,507 $462,715,000 $307,044 $4,332 6.68%
    Asian 135 $41,325,000 $306,111 $4,209 6.76%
    Not provided 128 $39,250,000 $306,641 $4,475 6.67%
    Not applicable 138 $23,120,000 $167,536 $0 8.06%
    Black 45 $12,365,000 $274,778 $5,293 6.66%
    American Indian 20 $6,300,000 $315,000 $4,790 6.56%
    Filipino 1 $375,000 $375,000 $4,313 7.00%
    Korean 1 $295,000 $295,000 $2,656 6.63%
    Other Asian 1 $155,000 $155,000 $3,461 7.00%

    Approval Rates

    Total approvals of all applications
    97.66%

    First State Bank Of St. Charles Missouri has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    75.76%

    First State Bank Of St. Charles Missouri has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,976 $585,900,000 $296,508

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,976 $585,900,000 $296,508

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 73 $11,555,000 $158,288 $3,253 6.41%
    40-60% 177 $45,025,000 $254,379 $3,692 6.62%
    60-80% 563 $169,515,000 $301,092 $3,986 6.98%
    80-100% 1,135 $354,515,000 $312,348 $4,593 6.73%
    Over 100% 13 $3,955,000 $304,231 $12,709 6.51%
    Under 20% 15 $1,335,000 $89,000 $3,153 6.62%