First State Bank of St. Charles, Missouri
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 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
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
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+11.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 7 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,502 | 82.8% | +0.096%Above | $1,512Fees | ||||
FHA Loans | 195 | 10.8% | +0.442%Above | $1,590Fees | ||||
VA Loans | 80 | 4.4% | -0.338%Below | $1,537Fees | ||||
Jumbo Loans | 22 | 1.2% | +0.231%Above | $724Fees | ||||
USDA Loans | — | — | 14 | 0.8% | -0.022%Below | $1,722Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,502
Mix82.8%
Spread
+0.096%Above
Fees
$1,512Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume195
Mix10.8%
Spread
+0.442%Above
Fees
$1,590Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume80
Mix4.4%
Spread
-0.338%Below
Fees
$1,537Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume22
Mix1.2%
Spread
+0.231%Above
Fees
$724Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume14
Mix0.8%
Spread
-0.022%Below
Fees
$1,722Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,575 | 86.9% | +0.127%Above | $1,587Fees | ||||
Refinance | 238 | 13.1% | +0.045%Above | $1,030Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,575
Mix86.9%
Spread
+0.127%Above
Fees
$1,587Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume238
Mix13.1%
Spread
+0.045%Above
Fees
$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
6
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
35Northeast5
CTMEMANHNY
Midwest10
IAILINKSMIMNMONEOHWI
South12
ALARFLGAKYLANCOKSCTNTXVA
West8
AZCACOIDNMUTWAWY
Top Metro Areas by Place Specialization Score
Volume 646Mix 35.63% of portfolio
91/100
Exceptional
Volume 867Mix 47.82% of portfolio
90/100
Exceptional
Volume 34Mix 1.88% of portfolio
50/100
Sound
Volume 12Mix 0.66% of portfolio
45/100
Sound
Volume 14Mix 0.77% of portfolio
41/100
Sound
Volume 10Mix 0.55% of portfolio
41/100
SoundTop States by Place Specialization Score
1
KansasState
Volume 483Mix 26.64% of portfolio
90/100
Exceptional2
MissouriState
Volume 1,157Mix 63.82% of portfolio
87/100
Exceptional3
ArizonaState
Volume 40Mix 2.21% of portfolio
50/100
Sound4
IllinoisState
Volume 24Mix 1.32% of portfolio
44/100
Sound5
ColoradoState
Volume 17Mix 0.94% of portfolio
42/100
Sound6
FloridaState
Volume 18Mix 0.99% of portfolio
37/100
Acceptable7
TexasState
Volume 14Mix 0.77% of portfolio
35/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.