First State Bank of St. Charles, Missouri
First State Bank of St. Charles, Missouri received 2,415 applications in 2025 and made 2,391 mortgages, in 174 counties across 38 states. The median rate its borrowers got was 6.500% on a median loan of $295,000. Of 2,391 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 549300C1ICNCM0V37Y02 |
|---|---|
| Applications received | 2,415 |
| Mortgages made | 2,391 |
| Denied | 0 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.097 points |
| FDIC-insured bank | Yes: First State Bank of St. Charles, Missouri, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,911 | 6.500% | $295,000 | 0.0% |
| Refinancing | 323 | 6.375% | $305,000 | 0.0% |
| Cash-out refinancing | 137 | 6.625% | $285,000 | 0.0% |
| Other purposes | 20 | 6.750% | $180,000 | 0.0% |
Where First State Bank of St. Charles, Missouri lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, KS | 404 | 6.500% | 0.0% |
| St. Louis County, MO | 344 | 6.750% | 0.0% |
| St. Charles County, MO | 336 | 6.750% | 0.0% |
| Jackson County, MO | 288 | 6.500% | 0.0% |
| Clay County, MO | 111 | 6.375% | 0.0% |
| Leavenworth County, KS | 65 | 6.375% | 0.0% |
| Wyandotte County, KS | 65 | 6.375% | 0.0% |
| St. Louis city, MO | 57 | 6.625% | 0.0% |
| Lincoln County, MO | 56 | 6.563% | 0.0% |
| Warren County, MO | 53 | 6.500% | 0.0% |
| Franklin County, MO | 50 | 6.438% | 0.0% |
| Camden County, MO | 45 | 6.625% | 0.0% |
| Cass County, MO | 42 | 6.500% | 0.0% |
| Jefferson County, MO | 41 | 6.500% | 0.0% |
| Maricopa County, AZ | 38 | 6.625% | 0.0% |
| Boone County, MO | 36 | 6.500% | 0.0% |
| Platte County, MO | 33 | 6.375% | 0.0% |
| Miami County, KS | 29 | 6.500% | 0.0% |
| Montgomery County, MO | 11 | 6.375% | 0.0% |
| St. Clair County, IL | 10 | 6.875% | 0.0% |
| Pike County, MO | 9 | Under 10 loans | 0.0% |
| Linn County, KS | 7 | Under 10 loans | 0.0% |
| Madison County, IL | 6 | Under 10 loans | 0.0% |
| Douglas County, KS | 6 | Under 10 loans | 0.0% |
| Jefferson County, KS | 6 | Under 10 loans | 0.0% |
| Johnson County, MO | 6 | Under 10 loans | 0.0% |
| Miller County, MO | 6 | Under 10 loans | 0.0% |
| Morgan County, MO | 6 | Under 10 loans | 0.0% |
| McLean County, IL | 5 | Under 10 loans | 0.0% |
| Franklin County, KS | 5 | Under 10 loans | 0.0% |
| Shawnee County, KS | 5 | Under 10 loans | 0.0% |
| Buchanan County, MO | 5 | Under 10 loans | 0.0% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Callaway County, MO | 4 | Under 10 loans | 0.0% |
| Christian County, MO | 4 | Under 10 loans | 0.0% |
| Greene County, MO | 4 | Under 10 loans | 0.0% |
| Pima County, AZ | 3 | Under 10 loans | 0.0% |
| Carroll County, AR | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 0.0% |
| Jersey County, IL | 3 | Under 10 loans | 0.0% |
| Riley County, KS | 3 | Under 10 loans | 0.0% |
| Clinton County, MO | 3 | Under 10 loans | 0.0% |
| Cole County, MO | 3 | Under 10 loans | 0.0% |
| Crawford County, MO | 3 | Under 10 loans | 0.0% |
| Laclede County, MO | 3 | Under 10 loans | 0.0% |
| Phelps County, MO | 3 | Under 10 loans | 0.0% |
| Ray County, MO | 3 | Under 10 loans | 0.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 2 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.