First State Bank of St. Charles, Missouri in Kansas vs the state
0.0%Denial rate-15.03 pts vs state
0.0%Decision denial rate-18.28 pts vs state
100.0%Origination rate+36.18 pts vs state
6.50%Median rate-0.13 pts vs state
0.02Rate spread (pts)-0.28 pts vs state
$141kMedian applicant income
606Loans originated
0Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 653 | 529 | 1.7% | 6.63% | #31 |
| 2024 | 524 | 524 | 0.0% | 6.63% | #47 |
| 2025 | 606 | 606 | 0.0% | 6.50% | #42 |
What First State Bank of St. Charles, Missouri lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most First State Bank of St. Charles, Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 404 | 404 | 0 | 0.0% |
| Leavenworth County | 65 | 65 | 0 | 0.0% |
| Wyandotte County | 65 | 65 | 0 | 0.0% |
| Miami County | 29 | 29 | 0 | 0.0% |
| Linn County | 7 | 7 | 0 | 0.0% |
| Douglas County | 6 | 6 | 0 | 0.0% |
| Jefferson County | 6 | 6 | 0 | 0.0% |
| Shawnee County | 5 | 5 | 0 | 0.0% |
| Franklin County | 5 | 5 | 0 | 0.0% |
| Riley County | 3 | 3 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 606 applications in 2025, of which 606 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans First State Bank of St. Charles, Missouri originated in Kansas 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 Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology