First State Bank of St. Charles, Missouri in Colorado vs the state
0.0%Denial rate-15.63 pts vs state
0.0%Decision denial rate-19.66 pts vs state
100.0%Origination rate+39.98 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.09 pts vs state
$200kMedian applicant income
8Loans originated
0Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 0.0% | 6.31% | #526 |
| 2024 | 17 | 17 | 0.0% | 6.63% | #422 |
| 2025 | 8 | 8 | 0.0% | 6.50% | #545 |
What First State Bank of St. Charles, Missouri lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most First State Bank of St. Charles, Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Boulder County | 2 | 2 | 0 | 0.0% |
| Denver County | 1 | 1 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| El Paso County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 8 applications in 2025, of which 8 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First State Bank of St. Charles, Missouri originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First State Bank of St. Charles, Missouri's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology