# First State Bank of St. Charles, Missouri

> **Canonical URL:** https://saferate.com/lenders/first-state-bank-of-st-charles-missouri


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First State Bank of St. Charles, Missouri is a bank, headquartered in St Charles, MO, serving borrowers across 35 states, with 1,813 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C1ICNCM0V37Y02
- **Headquarters:** St Charles, MO
- **Geographic Reach:** Near-National
- **States Served:** 35
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, NC, NE, NH, NM, NY, OH, OK, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.116%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,511
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,813
- **Dollar Volume:** $609 million
- **Applications Received:** 1,813
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $336,015
- **Average Borrower Income:** $147,122
- **Average Property Value:** $440,033

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 1,502 | +0.096% | $1,512 | Strong 😀 |
| FHA | 71/100 | 195 | +0.442% | $1,590 | Strong 😀 |
| VA | 71/100 | 80 | -0.338% | $1,537 | Strong 😀 |
| Jumbo | 68/100 | 22 | +0.231% | $724 | Strong 😀 |
| USDA | 71/100 | 14 | -0.022% | $1,722 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,287 loans, Score: 75/100 (Strong)
- Refinance: 215 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 179 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 77 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 1,575 | $527M | +0.127% | Strong 😀 |
| Refinance | 67/100 | 238 | $82M | +0.045% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 1,157 | 1.55% | 87/100 |
| KS | 483 | 1.61% | 90/100 |
| AZ | 40 | 0.04% | 50/100 |
| IL | 24 | 0.02% | 44/100 |
| FL | 18 | 0.01% | 37/100 |
| CO | 17 | 0.02% | 42/100 |
| TX | 14 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 867 | 90/100 |
| St. Louis, MO | MO-IL | 646 | 91/100 |
| Non |  | 106 | 49/100 |
| Phoenix | AZ | 34 | 50/100 |
| Denver | CO | 14 | 41/100 |
| Lawrence, KS | KS | 12 | 45/100 |
| Topeka, KS | KS | 10 | 41/100 |

## Where This Lender Ranks

First State Bank of St. Charles, Missouri appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Missouri for FHA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Missouri for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Kansas City, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Missouri
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders)
- 🥈 **#2** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🥈 **#2** in Missouri for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)
- 🥈 **#2** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🥈 **#2** in Kansas City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in St. Louis, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in St. Louis, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in St. Louis, MO for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Kansas for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Kansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Missouri for Conventional Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Missouri for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Kansas City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does First State Bank of St. Charles, Missouri offer?

First State Bank of St. Charles, Missouri offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First State Bank of St. Charles, Missouri offer mortgages?

First State Bank of St. Charles, Missouri offers mortgages in 35 states: AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, NC, NE, NH, NM, NY, OH, OK, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are First State Bank of St. Charles, Missouri's mortgage rates?

First State Bank of St. Charles, Missouri has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.116% above market average.

### What type of lender is First State Bank of St. Charles, Missouri?

First State Bank of St. Charles, Missouri is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in St Charles, MO.

### What is First State Bank of St. Charles, Missouri's loan approval success rate?

First State Bank of St. Charles, Missouri has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-state-bank-of-st-charles-missouri

### How to Cite

> "First State Bank of St. Charles, Missouri Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-state-bank-of-st-charles-missouri

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