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 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, Dallas, and Lawrence among others. We have data for 130 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 6.66% | 12/16/24 |
30 Year Conventional Refi | 6.35% | 12/16/24 |
30 Year Cash-out Refi | 6.60% | 12/16/24 |
30 Year FHA Purchase | 7.20% | 12/16/24 |
30 Year FHA Refi | 7.05% | 12/16/24 |
30 Year VA Purchase | 6.13% | 12/16/24 |
30 Year USDA Purchase | 6.50% | 12/16/24 |
15 Year Conventional Purchase | 5.95% | 12/16/24 |
15 Year Conventional Refi | 5.84% | 12/16/24 |
15 Year Cash-out Refi | 5.84% | 12/16/24 |
15 Year FHA Refi | 5.68% | 12/16/24 |
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
2,812Origination Dollar Volume (All Markets)
$858,190,000First State Bank of St. Charles Missouri - 2022
First State Bank of St. Charles Missouri is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 1,405 | $446,685,000 | $317,925 | $3,756 | 4.68% |
ST. LOUIS, MO-IL (FHA|USDA|VA) | 883 | $234,785,000 | $265,895 | $3,798 | 4.92% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 99 | $45,265,000 | $457,222 | $4,575 | 4.57% |
Outside of Metro Areas | 148 | $39,460,000 | $266,622 | $3,803 | 4.77% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $4,875,000 | $443,182 | $7,644 | 4.52% |
LAWRENCE, KS (FHA|USDA|VA) | 15 | $4,105,000 | $273,667 | $4,340 | 4.92% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $2,840,000 | $473,333 | $5,833 | 4.71% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $2,640,000 | $660,000 | $7,243 | 5.88% |
MANHATTAN, KS (FHA|USDA|VA) | 13 | $2,595,000 | $199,615 | $6,387 | 4.48% |
TUCSON, AZ (FHA|USDA|VA) | 4 | $2,140,000 | $535,000 | $5,384 | 5.12% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,125,000 | $425,000 | $3,535 | 4.23% |
TOPEKA, KS (FHA|USDA|VA) | 9 | $2,105,000 | $233,889 | $3,642 | 4.47% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $10,351 | 4.55% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,955,000 | $391,000 | $5,916 | 4.55% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $4,917 | 5.14% |
Warrensburg, MO (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $5,831 | 4.69% |
WICHITA, KS (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $4,239 | 4.04% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $7,661 | 4.83% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $6,163 | 4.09% |
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $8,098 | 5.63% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $3,701 | 5.50% |
SANTA FE, NM (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $4,008 | 3.63% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $5,332 | 4.94% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $5,275 | 4.63% |
Lebanon, MO (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $5,407 | 5.66% |
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $4,143 | 4.38% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $4,020 | 4.54% |
TULSA, OK (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,118 | 4.56% |
JEFFERSON CITY, MO (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $2,726 | 4.94% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $4,628 | 5.50% |
LAS CRUCES, NM (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $3,811 | 3.88% |
Show Low, AZ (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,334 | 4.71% |
FRESNO, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,635 | 5.06% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $3,430 | 3.79% |
COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $3,198 | 3.96% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $6,684 | 4.81% |
Hannibal, MO (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $3,470 | 4.68% |
Edwards, CO (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $0 | 5.19% |
FLINT, MI (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $10,602 | 3.63% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,431 | 4.44% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $8,683 | 5.06% |
JOPLIN, MO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,167 | 5.13% |
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $5,035 | 4.75% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $5,663 | 4.75% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,410 | 3.38% |
Traverse City, MI (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,338 | 5.25% |
Newport, OR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $15,783 | 6.38% |
FORT COLLINS, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $2,723 | 2.88% |
LUBBOCK, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,958 | 4.87% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,789 | 4.63% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,600 | 5.99% |
SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,268 | 5.88% |
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $2,681 | 4.00% |
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,448 | 3.50% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,833 | 4.25% |
Ottawa, KS (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,434 | 4.38% |
Columbus, NE (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,501 | 4.75% |
JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,347 | 5.06% |
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,733 | 5.49% |
FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,116 | 3.88% |
SAVANNAH, GA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $14,050 | 5.94% |
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,530 | 6.38% |
ASHEVILLE, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,191 | 6.06% |
ST. JOSEPH, MO-KS (FHA|USDA|VA) | 5 | $445,000 | $89,000 | $2,708 | 4.93% |
AKRON, OH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,487 | 3.38% |
SALEM, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,790 | 5.49% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,697 | 2.88% |
Georgetown, SC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,741 | 4.88% |
Morehead City, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 4.00% |
CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,382 | 5.49% |
GREELEY, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,809 | 5.25% |
DOVER, DE (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,772 | 4.38% |
BOISE CITY, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,160 | 5.13% |
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,667 | 5.38% |
GAINESVILLE, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,764 | 6.75% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,646 | 3.63% |
Kearney, NE (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,012 | 5.99% |
MORGANTOWN, WV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,730 | 5.25% |
RENO, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 5.25% |
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,264 | 4.88% |
IOWA CITY, IA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,255 | 6.75% |
Kirksville, MO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,752 | 3.37% |
PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,510 | 2.75% |
Garden City, KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,240 | 4.25% |
GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,244 | 5.63% |
HARRISONBURG, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,703 | 5.88% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,395 | 3.75% |
Emporia, KS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,653 | 4.63% |
TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,437 | 3.38% |
Branson, MO (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,280 | 4.75% |
Rolla, MO (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,868 | 5.00% |
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,674 | 4.81% |
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,431 | 5.00% |
MONTGOMERY, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,664 | 4.25% |
Clewiston, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,821 | 4.38% |
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,000 | 4.63% |
Manitowoc, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,758 | 5.88% |
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,957 | 5.38% |
BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,311 | 4.88% |
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,168 | 3.12% |
NILES, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,754 | 3.25% |
THE VILLAGES, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,598 | 5.38% |
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,220 | 3.63% |
Pittsburg, KS (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,485 | 5.31% |
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,327 | 3.75% |
KNOXVILLE, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,664 | 5.38% |
Poplar Bluff, MO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,481 | 5.94% |
HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,736 | 3.50% |
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.50% |
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,744 | 4.13% |
ROCHESTER, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.75% |
OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.13% |
SALINAS, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,986 | 4.38% |
Mexico, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,131 | 3.25% |
Farmington, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,501 | 5.88% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,259 | 5.38% |
SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,028 | 5.38% |
NEW BERN, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,888 | 4.75% |
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,981 | 6.25% |
Vidalia, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,388 | 5.13% |
Atchison, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,490 | 3.88% |
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,971 | 5.50% |
Ottawa, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,657 | 5.25% |
URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.50% |
OCALA, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,407 | 3.50% |
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,533 | 5.38% |
COLUMBIA, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.38% |
Marion, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,957 | 5.25% |
PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,177 | 6.38% |
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,106 | 3.12% |
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Product Mix
For 2022, First State Bank Of St. Charles Missouri's most frequently originated type of loan was Conventional, with 2,535 originations. Their 2nd most popular type was FHA, with 175 originations.
Loan Reason
For 2022, First State Bank Of St. Charles Missouri's most frequently cited loan purpose was Home Purchase, with 2,360 originations. The 2nd most popular reason was Cash Out Refi, with 233 originations.
Loan Duration/Length
For 2022, First State Bank Of St. Charles Missouri's most frequently cited loan duration was 30 Year, with 2,539 originations. The 2nd most popular length was 15 Year, with 105 originations.
Origination Fees/Closing Costs
First State Bank Of St. Charles Missouri's average total fees were $3,971, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,075 originations.
Interest Rates
During 2022, First State Bank Of St. Charles Missouri's average interest rate for loans was 4.76%, while their most frequently originated rate bucket for loans was 4-5%, with 921 originations.
Loan Sizing
2022 saw First State Bank Of St. Charles Missouri place emphasis on $200k-400k loans with 1,302 originations, totaling $372,690,000 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 678 originations. The second most popular income band? $150k-250k, with 586 originations.
Applicant Debt to Income Ratio
First State Bank Of St. Charles Missouri lent most frequently to those with DTI ratios of 20-30%, with 591 originations. The next most common DTI ratio? 30-36%, with 523 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.63%
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 origination80.12%
First State Bank Of St. Charles Missouri has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 2,812 | $858,190,000 | $305,188 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |