First State Bank of St. Charles, Missouri mortgage approval rate & lending review
First State Bank of St. Charles, Missouri decided 4,692 mortgage applications and funded 4,641 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First State Bank of St. Charles, Missouri reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First State Bank of St. Charles, Missouri at a glance
Approval is 13.8 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 3,458 / 3,474 | 100% | $305K | 3,446 |
| Cash-out refinance | 96% | 191 / 200 | 100% | $255K | 191 |
| Refinance | 99% | 313 / 316 | 100% | $355K | 313 |
| Investment property purchase | 99% | 513 / 516 | 99% | $175K | 508 |
| Investment cash-out refinance | 96% | 43 / 45 | 100% | $165K | 43 |
| Investment refinance | 99% | 122 / 123 | 100% | $165K | 122 |
First State Bank of St. Charles, Missouri lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 99% | $275K | 2,838 | 2,808 |
| Kansas | 99% | $365K | 1,368 | 1,357 |
| Arizona | 97% | $425K | 153 | 146 |
| Florida | 100% | $285K | 56 | 56 |
| Illinois | 100% | $275K | 51 | 51 |
| Texas | 98% | $365K | 51 | 50 |
| Colorado | 100% | $605K | 33 | 33 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First State Bank of St. Charles, Missouri lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Mortgage lenders | 100% | 936 | 933 |
| Jackson County, MO | Mortgage lenders | 100% | 661 | 657 |
| St. Charles County, MO | Mortgage lenders | 99% | 508 | 504 |
| Clay County, MO | Mortgage lenders | 100% | 247 | 246 |
| Wyandotte County, KS | Mortgage lenders | 99% | 159 | 156 |
| St. Charles County, MO | Investment property purchase | 100% | 150 | 150 |
| Jefferson County, MO | Mortgage lenders | 99% | 110 | 109 |
| St. Louis County, MO | Mortgage lenders | 100% | 101 | 101 |
| St. Louis city, MO | Mortgage lenders | 100% | 101 | 101 |
| Cass County, MO | Mortgage lenders | 99% | 89 | 87 |
| Franklin County, MO | Mortgage lenders | 100% | 81 | 81 |
| Platte County, MO | Mortgage lenders | 98% | 84 | 80 |
The county markets where First State Bank of St. Charles, Missouri made the most loans. Each link opens that market with every lender ranked.
Questions about First State Bank of St. Charles, Missouri
What is First State Bank of St. Charles, Missouri's mortgage approval rate?
First State Bank of St. Charles, Missouri approved 99.3% of the 4,692 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.8 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan First State Bank of St. Charles, Missouri offers?
Borrowers accepted 100% of the loans First State Bank of St. Charles, Missouri approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First State Bank of St. Charles, Missouri make?
The typical home purchase mortgage loan First State Bank of St. Charles, Missouri made was $305K; across all loan types its typical loan ran from $165K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First State Bank of St. Charles, Missouri lend?
First State Bank of St. Charles, Missouri decided applications in 39 of the states Fat Boy Data covers, most of them in Missouri, Kansas and Arizona.
Can I apply to First State Bank of St. Charles, Missouri directly?
Yes. First State Bank of St. Charles, Missouri is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First State Bank of St. Charles, Missouri's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First State Bank of St. Charles, Missouri treats applications, then get a rate quote from the lender.