First State Bank of St. Charles, Missouri in Missouri vs the state
0.0%Denial rate-15.07 pts vs state
0.0%Decision denial rate-18.70 pts vs state
98.5%Origination rate+35.85 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.21 pts vs state
$120kMedian applicant income
1,585Loans originated
0Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,612 | 1,262 | 2.5% | 6.75% | #25 |
| 2024 | 1,462 | 1,452 | 0.1% | 6.63% | #31 |
| 2025 | 1,609 | 1,585 | 0.0% | 6.50% | #34 |
What First State Bank of St. Charles, Missouri lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most First State Bank of St. Charles, Missouri applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 362 | 344 | 0 | 0.0% |
| St. Charles County | 341 | 336 | 0 | 0.0% |
| Jackson County | 288 | 288 | 0 | 0.0% |
| Clay County | 111 | 111 | 0 | 0.0% |
| St. Louis city | 58 | 57 | 0 | 0.0% |
| Lincoln County | 56 | 56 | 0 | 0.0% |
| Warren County | 53 | 53 | 0 | 0.0% |
| Franklin County | 50 | 50 | 0 | 0.0% |
| Camden County | 45 | 45 | 0 | 0.0% |
| Cass County | 42 | 42 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,609 applications in 2025, of which 1,585 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First State Bank of St. Charles, Missouri originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology