First State Bank Of St. Charles Missouri Mortgage Rates, Fees & Info
St. Charles, MOLEI: 549300C1ICNCM0V37Y02
Tax ID: 43-0492450
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.66% | 4/23/24 |
| 30 Year Conventional Refi | 6.35% | 4/23/24 |
| 30 Year Cash-out Refi | 6.60% | 4/23/24 |
| 30 Year FHA Purchase | 7.20% | 4/23/24 |
| 30 Year FHA Refi | 7.05% | 4/23/24 |
| 30 Year VA Purchase | 6.13% | 4/23/24 |
| 30 Year USDA Purchase | 6.50% | 4/23/24 |
| 15 Year Conventional Purchase | 5.95% | 4/23/24 |
| 15 Year Conventional Refi | 5.84% | 4/23/24 |
| 15 Year Cash-out Refi | 5.84% | 4/23/24 |
| 15 Year FHA Refi | 5.68% | 4/23/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,976Origination Dollar Volume (All Markets)
$585,900,000Awards
First State Bank of St. Charles Missouri - 2023
First State Bank of St. Charles Missouri is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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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% |
Similar Lenders
We use machine learning to identify the top lenders compared against First State Bank of St. Charles Missouri based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications97.66%
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 origination75.76%
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 |