First State Bank of St. Charles, Missouri in Arizona vs the state
0.0%Denial rate-16.23 pts vs state
0.0%Decision denial rate-20.41 pts vs state
100.0%Origination rate+40.52 pts vs state
6.63%Median rate+0.13 pts vs state
0.12Rate spread (pts)-0.10 pts vs state
$194kMedian applicant income
48Loans originated
0Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 57 | 4.7% | 6.63% | #246 |
| 2024 | 45 | 45 | 0.0% | 6.88% | #316 |
| 2025 | 48 | 48 | 0.0% | 6.63% | #320 |
What First State Bank of St. Charles, Missouri lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most First State Bank of St. Charles, Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 38 | 38 | 0 | 0.0% |
| Pima County | 3 | 3 | 0 | 0.0% |
| Pinal County | 2 | 2 | 0 | 0.0% |
| Yavapai County | 2 | 2 | 0 | 0.0% |
| Navajo County | 1 | 1 | 0 | 0.0% |
| Gila County | 1 | 1 | 0 | 0.0% |
| Apache County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 48 applications in 2025, of which 48 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans First State Bank of St. Charles, Missouri originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are First State Bank of St. Charles, Missouri's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology