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First State Bank of St. Charles, Missouri
Bank|St Charles, MO|Near-National
Loans Originated
1,813
Applications
1,813
Volume
$609 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.116%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,511
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
100.0%
Percentage of applications that result in closed loans
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
Report Card
First State Bank of St. Charles, Missouri performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 7 metro areas · 35 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$336,015
Average Borrower Income
$147,122
Average Property Value
$440,033
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% | $1,512 |
FHA Loans | Strong | Strong | Strong | Exceptional | 195 | 10.8% | +0.442% | $1,590 |
VA Loans | Strong | Strong | Strong | Exceptional | 80 | 4.4% | -0.338% | $1,537 |
Jumbo Loans | Strong | Strong | Sound | Exceptional | 22 | 1.2% | +0.231% | $724 |
USDA Loans | Strong | Strong | N/A | N/A | 14 | 0.8% | -0.022% | $1,722 |
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% | $1,587 |
Refinance | Strong | Strong | Strong | Exceptional | 238 | 13.1% | +0.045% | $1,030 |
Geographic Coverage
Metro Areas
6
States Served
35
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 646Mix: 35.63%
Place Specialization
Exceptional
2
Kansas City, MO, MO-KSMSA
Volume: 867Mix: 47.82%
Place Specialization
Exceptional
3
Phoenix, AZMSA
Volume: 34Mix: 1.88%
Place Specialization
Sound
4
Lawrence, KS, KSMSA
Volume: 12Mix: 0.66%
Place Specialization
Sound
5
Denver, COMSA
Volume: 14Mix: 0.77%
Place Specialization
Sound
6
Topeka, KS, KSMSA
Volume: 10Mix: 0.55%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 483Mix: 26.64%
Place Specialization
Exceptional
2
MOState
Volume: 1,157Mix: 63.82%
Place Specialization
Exceptional
3
AZState
Volume: 40Mix: 2.21%
Place Specialization
Sound
4
ILState
Volume: 24Mix: 1.32%
Place Specialization
Sound
5
COState
Volume: 17Mix: 0.94%
Place Specialization
Sound
6
FLState
Volume: 18Mix: 0.99%
Place Specialization
Acceptable
7
TXState
Volume: 14Mix: 0.77%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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