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 score and performance metrics.

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 an overall pricing score of 66/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

First State Bank of St. Charles, Missouri is a Bank headquartered in St Charles, MO.

Unclaimed

First State Bank of St. Charles, Missouri

Bank•St Charles, MO•Direct to Consumer

We analyzed every closed loan from First State Bank of St Charles Missouri — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 6 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

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Report Card

First State Bank of St. Charles, Missouri performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive +11.6 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National7 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	1,502	82.8%	+0.096%Above	$1,512Fees
FHA Loans	Strong	Strong	Strong	Exceptional	195	10.8%	+0.442%Above	$1,590Fees
VA Loans	Strong	Strong	Strong	Exceptional	80	4.4%	-0.338%Below	$1,537Fees
Jumbo Loans	Strong	Strong	Sound	Exceptional	22	1.2%	+0.231%Above	$724Fees
USDA Loans	Strong	Strong	—	—	14	0.8%	-0.022%Below	$1,722Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	1,575	86.9%	+0.127%Above	$1,587Fees
Refinance	Strong	Strong	Strong	Exceptional	238	13.1%	+0.045%Above	$1,030Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,813

Applications

1,813

Volume

$609 million

Pricing & Closing

Avg Rate Spread

+0.116%

vs. market APOR

Avg Net Fees

$1,511

Origination − Credits

Pullthrough Rate

100.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$336,015

Avg Borrower Income

$147,122

Avg Property Value

$440,033

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTFLGAIAIDILINKSKYLAMAMEMIMNMONCNENHNMNYOHOKSCTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMSA

Volume: 646Mix: 35.63%of portfolio

Place

Exceptional

Kansas City, MO, MO-KSMSA

Volume: 867Mix: 47.82%of portfolio

Place

Exceptional

Phoenix, AZMSA

Volume: 34Mix: 1.88%of portfolio

Place

Sound

Lawrence, KS, KSMSA

Volume: 12Mix: 0.66%of portfolio

Place

Sound

Denver, COMSA

Volume: 14Mix: 0.77%of portfolio

Place

Sound

Topeka, KS, KSMSA

Volume: 10Mix: 0.55%of portfolio

Place

Sound

Top States by Place Specialization Score

KSState

Volume: 483Mix: 26.64%of portfolio

Place

Exceptional

MOState

Volume: 1,157Mix: 63.82%of portfolio

Place

Exceptional

AZState

Volume: 40Mix: 2.21%of portfolio

Place

Sound

ILState

Volume: 24Mix: 1.32%of portfolio

Place

Sound

COState

Volume: 17Mix: 0.94%of portfolio

Place

Sound

FLState

Volume: 18Mix: 0.99%of portfolio

Place

Acceptable

TXState

Volume: 14Mix: 0.77%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.