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

St. Charles, MO

LEI: 549300C1ICNCM0V37Y02

Tax ID: 43-0492450

5 stars - out of 5 stars, based on 81 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First State Bank Of St. Charles Missouri is a small bank specializing in Home Purchase and Refi loans. First State Bank Of St. Charles Missouri has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Phoenix, Denver, and Dallas among others. We have data for 170 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 an average 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 about average 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 6.39% 10/3/22
    30 Year Conventional Refi 6.31% 10/3/22
    30 Year Cash-out Refi 6.50% 10/3/22
    30 Year FHA Purchase 7.17% 10/3/22
    30 Year FHA Refi 6.80% 10/3/22
    30 Year VA Purchase 6.11% 10/3/22
    30 Year VA Refi 5.87% 10/3/22
    30 Year USDA Purchase 6.50% 10/3/22
    30 Year USDA Refi 6.53% 10/3/22
    15 Year Conventional Purchase 5.99% 10/3/22
    15 Year Conventional Refi 6.09% 10/3/22
    15 Year Cash-out Refi 6.09% 10/3/22
    15 Year FHA Purchase 7.74% 10/3/22
    15 Year FHA Refi 5.96% 10/3/22
    15 Year VA Purchase 5.96% 10/3/22
    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.


    Originations

    6,543

    Origination Dollar Volume (All Markets)

    $1,792,565,000

    Employee count

    231 Show all (18) awards

    Relative Rate

    First State Bank Of St. Charles Missouri's average 30 year fixed mortgage rate was 2.93%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.22%.

    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 $3,296.

    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 $4,750.

    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) 3,255 $907,455,000 $278,788 $3,103 2.84%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2,063 $511,365,000 $247,874 $2,893 2.99%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 305 $108,235,000 $354,869 $3,765 2.97%
    Outside of Metro Areas 347 $77,525,000 $223,415 $2,991 2.93%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 25 $10,645,000 $425,800 $3,127 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $9,550,000 $434,091 $4,814 2.70%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 17 $7,515,000 $442,059 $3,940 2.85%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $6,170,000 $771,250 $4,040 2.75%
    LAWRENCE, KS (FHA|USDA|VA) 22 $4,830,000 $219,545 $2,663 2.92%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $4,655,000 $517,222 $3,848 2.82%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 14 $4,530,000 $323,571 $4,291 2.90%
    WICHITA, KS (FHA|USDA|VA) 13 $4,105,000 $315,769 $3,426 2.88%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $3,550,000 $295,833 $4,009 2.67%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $3,475,000 $695,000 $6,682 3.38%
    MANHATTAN, KS (FHA|USDA|VA) 16 $3,440,000 $215,000 $4,945 2.96%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $3,150,000 $787,500 $4,457 2.78%
    COLUMBIA, MO (FHA|USDA|VA) 12 $3,150,000 $262,500 $2,376 2.82%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $3,135,000 $447,857 $5,099 2.89%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $3,065,000 $437,857 $3,590 2.52%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 8 $2,900,000 $362,500 $5,983 2.84%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $2,775,000 $555,000 $3,639 2.53%
    FLAGSTAFF, AZ (FHA|USDA|VA) 5 $2,545,000 $509,000 $6,540 3.00%
    Edwards, CO (FHA|USDA|VA) 4 $2,270,000 $567,500 $3,783 3.19%
    SPRINGFIELD, MO (FHA|USDA|VA) 11 $2,195,000 $199,545 $3,262 2.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $2,170,000 $361,667 $4,289 2.69%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 13 $2,125,000 $163,462 $3,154 3.41%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $2,090,000 $261,250 $3,563 2.89%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,995,000 $285,000 $4,868 3.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 7 $1,965,000 $280,714 $2,956 2.91%
    TUCSON, AZ (FHA|USDA|VA) 5 $1,925,000 $385,000 $4,208 3.03%
    Ottawa, KS (FHA|USDA|VA) 8 $1,910,000 $238,750 $3,860 2.88%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,860,000 $310,000 $4,636 2.92%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,850,000 $462,500 $5,289 2.94%
    ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,785,000 $357,000 $3,030 2.65%
    TOPEKA, KS (FHA|USDA|VA) 11 $1,725,000 $156,818 $3,344 2.78%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 6 $1,690,000 $281,667 $3,307 2.58%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,069 3.15%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,590,000 $265,000 $2,082 2.75%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,500,000 $375,000 $2,895 2.84%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,490,000 $372,500 $2,612 2.97%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $1,480,000 $740,000 $6,482 2.93%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,480,000 $370,000 $3,429 2.81%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,460,000 $182,500 $8,107 3.03%
    NAPA, CA (FHA|USDA|VA) 2 $1,440,000 $720,000 $3,254 2.88%
    TULSA, OK (FHA|USDA|VA) 5 $1,435,000 $287,000 $3,877 2.77%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,420,000 $355,000 $2,961 2.34%
    Warrensburg, MO (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,720 2.80%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,385,000 $461,667 $3,493 3.17%
    Farmington, MO (FHA|USDA|VA) 8 $1,350,000 $168,750 $2,370 2.80%
    RICHMOND, VA (FHA|USDA|VA) 5 $1,335,000 $267,000 $4,333 3.03%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,280,000 $320,000 $3,796 2.75%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,215,000 $405,000 $3,836 2.83%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,200,000 $300,000 $3,662 2.81%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,185,000 $395,000 $4,987 2.96%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,894 2.66%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,260 3.16%
    SANTA FE, NM (FHA|USDA|VA) 2 $1,090,000 $545,000 $4,928 2.94%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,457 2.92%
    MADISON, WI (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,151 3.06%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $1,015,000 $338,333 $6,598 2.63%
    Jackson, WY-ID (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,048 2.88%
    GREELEY, CO (FHA|USDA|VA) 2 $980,000 $490,000 $3,264 2.94%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $975,000 $195,000 $3,530 2.75%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $970,000 $485,000 $2,471 3.13%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $950,000 $475,000 $3,010 3.25%
    Kalispell, MT (FHA|USDA|VA) 1 $915,000 $915,000 $4,542 2.63%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $875,000 $291,667 $6,091 2.75%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $865,000 $288,333 $2,816 2.88%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $860,000 $430,000 $4,036 2.81%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $845,000 $845,000 $5,353 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $835,000 $835,000 $16,619 2.25%
    Bartlesville, OK (FHA|USDA|VA) 3 $825,000 $275,000 $3,746 2.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $820,000 $410,000 $2,969 2.56%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 5 $815,000 $163,000 $2,626 2.83%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $805,000 $268,333 $2,540 2.71%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $765,000 $255,000 $2,638 2.46%
    JEFFERSON CITY, MO (FHA|USDA|VA) 4 $740,000 $185,000 $5,141 2.84%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $720,000 $360,000 $3,518 2.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $670,000 $335,000 $4,264 2.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $660,000 $330,000 $7,006 2.81%
    BEND, OR (FHA|USDA|VA) 3 $645,000 $215,000 $5,142 2.96%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $645,000 $645,000 $3,962 3.38%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $640,000 $320,000 $3,065 3.06%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $590,000 $295,000 $4,782 4.69%
    LAS CRUCES, NM (FHA|USDA|VA) 2 $560,000 $280,000 $3,445 2.63%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $550,000 $275,000 $10,843 2.75%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $545,000 $545,000 $7,739 2.99%
    JOPLIN, MO (FHA|USDA|VA) 2 $510,000 $255,000 $2,893 2.44%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $510,000 $255,000 $3,323 2.69%
    Marshall, MO (FHA|USDA|VA) 1 $505,000 $505,000 $3,023 3.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $500,000 $250,000 $3,041 3.06%
    Branson, MO (FHA|USDA|VA) 3 $495,000 $165,000 $2,641 3.17%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $490,000 $245,000 $2,987 2.94%
    MODESTO, CA (FHA|USDA|VA) 1 $475,000 $475,000 $4,154 3.00%
    COLUMBUS, OH (FHA|USDA|VA) 1 $475,000 $475,000 $3,110 2.63%
    Salina, KS (FHA|USDA|VA) 1 $465,000 $465,000 $5,944 3.00%
    Winfield, KS (FHA|USDA|VA) 2 $460,000 $230,000 $3,659 2.50%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $435,000 $435,000 $18,420 2.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $410,000 $205,000 $2,998 2.50%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $395,000 $395,000 $4,570 2.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $390,000 $195,000 $3,394 3.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $390,000 $195,000 $2,691 2.69%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $385,000 $385,000 $3,353 2.75%
    Boone, NC (FHA|USDA|VA) 1 $385,000 $385,000 $4,053 2.88%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $385,000 $385,000 $3,583 2.88%
    FRESNO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $3,059 2.63%
    Maryville, MO (FHA|USDA|VA) 2 $380,000 $190,000 $2,645 3.06%
    EL PASO, TX (FHA|USDA|VA) 2 $380,000 $190,000 $4,645 2.56%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $380,000 $190,000 $2,645 2.63%
    Stephenville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,383 2.50%
    Whitewater, WI (FHA|USDA|VA) 1 $365,000 $365,000 $2,702 3.50%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $3,032 2.63%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.75%
    Muscatine, IA (FHA|USDA|VA) 1 $365,000 $365,000 $12,334 3.25%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $365,000 $365,000 $4,801 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $6,130 3.00%
    Columbus, NE (FHA|USDA|VA) 1 $355,000 $355,000 $2,897 3.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,475 2.63%
    Lewisburg, TN (FHA|USDA|VA) 1 $345,000 $345,000 $4,270 2.88%
    Los Alamos, NM (FHA|USDA|VA) 1 $345,000 $345,000 $2,447 2.75%
    Breckenridge, CO (FHA|USDA|VA) 1 $335,000 $335,000 $2,508 2.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $330,000 $165,000 $2,597 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,097 2.38%
    Lebanon, MO (FHA|USDA|VA) 1 $315,000 $315,000 $2,944 2.38%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $315,000 $315,000 $3,335 2.75%
    Kirksville, MO (FHA|USDA|VA) 2 $310,000 $155,000 $1,862 3.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $305,000 $305,000 $3,554 2.88%
    Aberdeen, WA (FHA|USDA|VA) 1 $305,000 $305,000 $9,310 2.63%
    Sikeston, MO (FHA|USDA|VA) 1 $305,000 $305,000 $3,503 3.13%
    Stillwater, OK (FHA|USDA|VA) 1 $285,000 $285,000 $3,570 2.75%
    BOISE CITY, ID (FHA|USDA|VA) 1 $275,000 $275,000 $4,055 2.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $275,000 $275,000 $2,990 2.38%
    FLINT, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,433 3.00%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $255,000 $255,000 $2,641 2.88%
    Hannibal, MO (FHA|USDA|VA) 2 $250,000 $125,000 $3,221 3.13%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $245,000 $245,000 $1,828 2.25%
    Burlington, IA-IL (FHA|USDA|VA) 2 $240,000 $120,000 $2,579 3.00%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,570 3.13%
    Morehead City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,774 2.88%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $235,000 $235,000 $2,796 3.00%
    Roseburg, OR (FHA|USDA|VA) 1 $235,000 $235,000 $3,789 3.13%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,679 2.75%
    Searcy, AR (FHA|USDA|VA) 1 $235,000 $235,000 $2,929 2.75%
    GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $4,338 3.00%
    NEW BERN, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,047 3.00%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,052 2.50%
    Jasper, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,691 2.63%
    BOULDER, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,242 2.25%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $220,000 $110,000 $2,670 2.25%
    Rockport, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,082 3.50%
    Granbury, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,681 3.25%
    OWENSBORO, KY (FHA|USDA|VA) 1 $185,000 $185,000 $401 2.25%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,586 2.88%
    Payson, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $3,188 2.38%
    ROANOKE, VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,471 2.63%
    Rolla, MO (FHA|USDA|VA) 1 $175,000 $175,000 $3,248 2.63%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,868 2.75%
    JACKSON, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,016 3.00%
    Atchison, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,558 2.38%
    Show Low, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $3,061 2.63%
    Vidalia, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,068 2.13%
    Sedalia, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,431 3.13%
    KANKAKEE, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,212 2.63%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $1,922 2.13%
    Jefferson, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,681 2.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,402 3.00%
    Plymouth, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,200 1.88%
    SALEM, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.88%
    Mexico, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,569 2.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,142 3.13%

    First State Bank Of St. Charles Missouri's top markets include Kansas City, St. Louis, Phoenix, Denver, and Dallas among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,014 $1,652,540,000 $274,782 $2,831 2.92%
    FHA 264 $58,210,000 $220,492 $6,656 2.80%
    VA 220 $73,150,000 $332,500 $5,991 2.58%
    USDA 45 $8,665,000 $192,556 $4,748 2.66%

    For 2021, First State Bank Of St. Charles Missouri's most frequently originated type of loan was Conventional, with 6,014 originations. Their 2nd most popular type was FHA, with 264 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,413 $982,775,000 $287,950 $3,662 2.98%
    Refi 2,073 $533,025,000 $257,127 $2,442 2.72%
    Cash Out Refi 994 $260,140,000 $261,710 $2,822 2.97%
    Other 35 $10,245,000 $292,714 $2,761 2.92%
    Home Improvement 28 $6,380,000 $227,857 $2,883 3.19%

    For 2021, First State Bank Of St. Charles Missouri's most frequently cited loan purpose was Home Purchase, with 3,413 originations. The 2nd most popular reason was Refi, with 2,073 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,313 $1,520,215,000 $286,131 $3,296 2.93%
    15 Year 765 $173,115,000 $226,294 $2,389 2.37%
    20 Year 209 $50,755,000 $242,847 $2,402 2.72%
    Other 119 $23,275,000 $195,588 $2,444 4.43%
    10 Year 73 $12,885,000 $176,507 $2,029 2.77%
    3 Year 39 $6,045,000 $155,000 $2,904 4.71%
    1 Year 17 $2,035,000 $119,706 $0 5.26%
    5 Year 8 $4,240,000 $530,000 $0 4.44%

    For 2021, First State Bank Of St. Charles Missouri's most frequently cited loan duration was 30 Year, with 5,313 originations. The 2nd most popular length was 15 Year, with 765 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,745 $1,624,115,000 $282,701
    $2k-3k 91 $35,365,000 $388,626
    $<1k 57 $14,185,000 $248,860
    $3k-4k 23 $9,375,000 $407,609
    $5k+ 13 $7,155,000 $550,385
    $4k-5k 9 $3,635,000 $403,889

    First State Bank Of St. Charles Missouri's average total fees were $3,296, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,745 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 3,531 $1,035,925,000 $293,380
    <2.5% 1,422 $354,620,000 $249,381
    3-4% 1,393 $367,515,000 $263,830
    4-5% 113 $22,105,000 $195,619
    5-6% 78 $11,550,000 $148,077
    6-7% 6 $850,000 $141,667

    During 2021, First State Bank Of St. Charles Missouri's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,531 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,135 $880,875,000 $280,981 $3,211 2.86%
    $100k-200k 2,022 $310,810,000 $153,714 $2,661 2.90%
    $400k-600k 831 $399,595,000 $480,860 $3,682 2.85%
    $100,000 or less 352 $27,470,000 $78,040 $2,359 3.36%
    $600k-1MM 165 $123,155,000 $746,394 $4,251 2.92%
    $1MM+ 38 $50,660,000 $1,333,158 $5,548 3.00%

    2021 saw First State Bank Of St. Charles Missouri place emphasis on $200k-400k loans with 3,135 originations, totaling $880,875,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,543 $441,525,000 $286,147 $3,114 2.88%
    $50k-75k 1,275 $263,775,000 $206,882 $3,092 2.84%
    $150k-250k 1,181 $412,365,000 $349,166 $3,136 2.88%
    $75k-100k 1,155 $280,355,000 $242,732 $3,187 2.84%
    $50k or less 688 $105,990,000 $154,055 $3,024 2.84%
    $250k+ 490 $242,610,000 $495,122 $3,429 2.91%

    First State Bank Of St. Charles Missouri lent most frequently to those with incomes in the $100k-150k range, with 1,543 originations. The second most popular income band? $50k-75k, with 1,275 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,802 $494,190,000 $274,245 $2,887 2.82%
    30-36% 1,281 $357,125,000 $278,786 $3,104 2.87%
    <20% 761 $218,925,000 $287,681 $2,744 2.74%
    39% 231 $62,105,000 $268,853 $3,228 2.87%
    40% 231 $60,615,000 $262,403 $3,132 2.94%
    42% 230 $65,390,000 $284,304 $3,457 2.97%
    43% 222 $56,180,000 $253,063 $3,128 2.95%
    37% 220 $61,870,000 $281,227 $3,211 2.94%
    41% 212 $59,340,000 $279,906 $3,505 2.90%
    36% 211 $59,665,000 $282,773 $3,320 2.90%
    38% 201 $53,885,000 $268,085 $3,215 2.90%
    44% 186 $47,750,000 $256,720 $3,445 2.89%
    45% 161 $44,435,000 $275,994 $3,536 2.90%
    46% 99 $25,725,000 $259,848 $3,356 2.90%
    50-60% 98 $28,740,000 $293,265 $5,950 2.78%
    47% 86 $22,910,000 $266,395 $3,508 2.85%
    49% 79 $21,405,000 $270,949 $3,887 2.86%
    48% 65 $17,665,000 $271,769 $3,888 2.94%
    >60% 3 $755,000 $251,667 $2,073 2.58%

    First State Bank Of St. Charles Missouri lent most frequently to those with DTI ratios of 20-30%, with 1,802 originations. The next most common DTI ratio? 30-36%, with 1,281 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,504 $1,510,770,000 $274,486 $3,106 2.85%
    Not provided 463 $127,545,000 $275,475 $3,166 2.86%
    Asian 205 $62,995,000 $307,293 $3,227 2.88%
    Black 124 $31,980,000 $257,903 $3,682 2.87%
    Not applicable 113 $19,775,000 $175,000 $0 5.38%
    Asian Indian 54 $18,060,000 $334,444 $3,197 2.93%
    American Indian 52 $14,410,000 $277,115 $3,937 2.89%
    Other Asian 15 $3,455,000 $230,333 $3,107 2.92%
    Chinese 6 $1,830,000 $305,000 $3,200 3.08%
    Native Hawaiian or Islander 3 $885,000 $295,000 $5,215 3.08%
    Korean 1 $415,000 $415,000 $3,118 3.00%
    Vietnamese 2 $280,000 $140,000 $2,433 3.25%
    Filipino 1 $165,000 $165,000 $2,562 2.50%

    Approval Rates

    Total approvals of all applications
    98.34%

    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
    86.29%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,543 $1,792,565,000 $273,967

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,543 $1,792,565,000 $273,967

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 278 $52,490,000 $188,813 $2,510 2.67%
    40-60% 947 $221,275,000 $233,659 $2,453 2.75%
    60-80% 2,767 $797,335,000 $288,159 $2,737 2.97%
    80-100% 2,467 $700,805,000 $284,072 $3,723 2.90%
    Over 100% 35 $11,485,000 $328,143 $12,882 3.04%
    Under 20% 29 $3,775,000 $130,172 $1,990 3.59%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Struggling to pay mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Improper use of your report 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First State Bank of St. Charles, Missouri 1501 Old Highway 94 South Saint Charles, MO 63303 Full Service B&M $38,157
    First State Bank of St. Charles, Missouri 17050 Baxter Road, Suite 100 Chesterfield, MO 63005 Full Service B&M $14,605
    First State Bank of St. Charles, Missouri 206 North Fifth Street St. Charles, MO 63301 Full Service B&M $225,508
    First State Bank of St. Charles, Missouri 300 Woodlawn Avenue O'fallon, MO 63366 Full Service B&M $54,221
    First State Bank of St. Charles, Missouri 3461 Technology Drive Lake Saint Louis, MO 63367 Full Service B&M $45,770
    First State Bank of St. Charles, Missouri 6800 College Blvd Leawood, KS 66211 Full Service B&M $5,835

    For 2021, First State Bank Of St. Charles Missouri had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $15,635
    Net interest income $14,138
    Total noninterest income $53,269
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $211
    Trading account gains and fees $0
    Additional Noninterest Income $53,058
    Pre-tax net operating income $14,944
    Securities gains (or losses, -) $1
    Income before extraordinary items $11,479
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,479
    Minority interest net income $0
    Net income $11,479
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,478

    First State Bank Of St. Charles Missouri's gross interest income from loans was $15,635,000.
    First State Bank Of St. Charles Missouri's net interest income from loans was $14,138,000.
    First State Bank Of St. Charles Missouri's fee based income from loans was $211,000.
    First State Bank Of St. Charles Missouri's net income from loans was $11,479,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,497
    Provision for credit losses $0
    Total noninterest expense $52,463
    Salaries and employee benefits $43,359
    Premises and equipment expense $1,954
    Additional noninterest expense $7,150
    Applicable income taxes $3,466
    Net charge-offs $-37
    Cash dividends $2,633

    First State Bank Of St. Charles Missouri's interest expense for loans was $1,497,000.
    First State Bank Of St. Charles Missouri's payroll and benefits expense were $43,359,000.
    First State Bank Of St. Charles Missouri's property, plant and equipment expenses $1,954,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $387,673
    Deposits held in domestic offices $387,673
    Deposits by Individuals, partnerships, and corporations $378,172
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $9,500
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $150,026
    Demand deposits $117,418
    Nontransaction accounts $237,646
    Money market deposit accounts (MMDAs) $124,612
    Other savings deposits (excluding MMDAs) $45,495
    Total time deposits $67,539
    Total time and savings deposits $270,254
    Noninterest-bearing deposits $117,418
    Interest-bearing deposits $270,255
    Retail deposits $375,853
    IRAs and Keogh plan accounts $8,958
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $465,517
    Cash & Balances due from depository institutions $122,451
    Interest-bearing balances $118,656
    Total securities $54,911
    Federal funds sold & reverse repurchase $1,118
    Net loans and leases $258,572
    Loan and leases loss allowance $6,723
    Trading account assets $0
    Bank premises and fixed assets $7,032
    Other real estate owned $0
    Goodwill and other intangibles $4,824
    All other assets $16,609

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $465,517
    Total Liabilities $393,191
    Total deposits $387,673
    Interest-bearing deposits $270,255
    Deposits held in domestic offices $387,673
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $5,518

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $258,572
    Loan and leases loss allowance $6,723
    Total loans and leases (domestic) $265,295
    All real estate loans $217,277
    Real estate loans in domestic offices $217,277
    Construction and development loans $24,781
    Residential 1-4 family construction $5,178
    Other construction, all land development and other land $19,603
    Loans secured by nonfarm nonresidential properties $57,414
    Nonfarm nonresidential secured by owner-occupied properties $33,085
    Commercial real estate & other non-farm, non-residential $24,329
    Multifamily residential real estate $3,343
    1-4 family residential loans $131,319
    Farmland loans $420
    Loans held in foreign offices $0
    Farm loans $397
    Commercial and industrial loans $43,507
    To non-U.S. addressees $0
    Loans to individuals $915
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $103
    Other loans to individuals $812
    All other loans & leases $3,199
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $494
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First State Bank of St. Charles Missouri had $258,572,000 of loans outstanding in 2021. $217,277,000 of loans were in real estate loans. $24,781,000 of loans were in development loans. $3,343,000 of loans were in multifamily mortgage loans. $131,319,000 of loans were in 1-4 family mortgage loans. $397,000 of loans were in farm loans. $0 of loans were in credit card loans. $103,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 159 $26,628 $167,472
    Nonfarm, nonresidential loans - <$100k 23 $1,006 $43,739
    Nonfarm, nonresidential loans - $100-250k 32 $4,882 $152,563
    Nonfarm, nonresidential loans - $250k-1MM 104 $20,740 $199,423
    Commercial & Industrial, US addressed loans - <$1MM 205 $20,841 $101,663
    Commercial & Industrial, US addressed loans - <$100k 98 $3,338 $34,061
    Commercial & Industrial, US addressed loans - $100-250k 59 $5,479 $92,864
    Commercial & Industrial, US addressed loans - $250k-1MM 48 $12,024 $250,500
    Farmland loans - <$1MM 4 $419 $104,750
    Farmland loans - <$100k 1 $90 $90,000
    Farmland loans - $100-250k 2 $223 $111,500
    Farmland loans - $250k-1MM 1 $106 $106,000
    Agriculture operations loans - <$1MM 2 $397 $198,500
    Agriculture operations loans - $100-250k 1 $110 $110,000
    Agriculture operations loans - $250k-1MM 1 $287 $287,000