First State Bank of St Charles Mortgage Lending & HMDA Data, 2025

In 2025, First State Bank of St Charles of St Charles, MO reported 2,415 mortgage applications totaling $791.0 million, up 11% from 2024. The average application was for $327,538, and applicants reported an average income of $165,732. 99% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Kansas City, MO-KS (1,054), St. Louis, MO-IL (981) and Phoenix-Mesa-Scottsdale, AZ (40) (applications in parentheses).

Mortgage Company & Address First State Bank of St Charles
2850 West Clay St
St Charles, MO 63301
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,415
Total Mortgage Loan Application Amount $791,005,000
Average Mortgage Loan Application Amount $327,538
Highest Mortgage Loan Application Amount $2,255,000
Average Applicant Income $165,732
Highest Applicant Income $1,812,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First State Bank of St Charles filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for First State Bank of St Charles by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 404 $ 166,700,000 $ 412,623 $ 190,000
St. Louis, Missouri 362 $ 106,510,000 $ 294,226 $ 178,000
St. Charles, Missouri 341 $ 98,565,000 $ 289,046 $ 160,000
Jackson, Missouri 288 $ 97,880,000 $ 339,861 $ 169,000
Clay, Missouri 111 $ 34,295,000 $ 308,963 $ 131,000
Leavenworth, Kansas 65 $ 23,195,000 $ 356,846 $ 155,000
Wyandotte, Kansas 65 $ 15,425,000 $ 237,307 $ 108,000
St. Louis City, Missouri 58 $ 14,400,000 $ 248,275 $ 129,000
Lincoln, Missouri 56 $ 15,690,000 $ 280,178 $ 110,000
Warren, Missouri 53 $ 16,675,000 $ 314,622 $ 120,000
Franklin, Missouri 50 $ 12,200,000 $ 244,000 $ 100,000
Camden, Missouri 45 $ 14,695,000 $ 326,555 $ 211,000
Cass, Missouri 42 $ 14,790,000 $ 352,142 $ 232,000
Jefferson, Missouri 41 $ 11,605,000 $ 283,048 $ 125,000
Maricopa, Arizona 38 $ 20,550,000 $ 540,789 $ 261,000
Boone, Missouri 36 $ 10,550,000 $ 293,055 $ 152,000
Platte, Missouri 33 $ 10,475,000 $ 317,424 $ 190,000
Miami, Kansas 29 $ 10,455,000 $ 360,517 $ 180,000
Montgomery, Missouri 11 $ 2,405,000 $ 218,636 $ 118,000
St. Clair, Illinois 10 $ 2,300,000 $ 230,000 $ 113,000
Pike, Missouri 9 $ 1,965,000 $ 218,333 $ 111,000
Linn, Kansas 7 $ 1,415,000 $ 202,142 $ 134,000
Madison, Illinois 6 $ 1,480,000 $ 246,666 $ 132,000
Douglas, Kansas 6 $ 1,500,000 $ 250,000 $ 208,000
Jefferson, Kansas 6 $ 1,930,000 $ 321,666 $ 130,000
Johnson, Missouri 6 $ 1,890,000 $ 315,000 $ 131,000
Miller, Missouri 6 $ 1,360,000 $ 226,666 $ 122,000
Morgan, Missouri 6 $ 1,820,000 $ 303,333 $ 254,000
McLean, Illinois 5 $ 1,245,000 $ 249,000 $ 191,000
Franklin, Kansas 5 $ 1,595,000 $ 319,000 $ 119,000
Shawnee, Kansas 5 $ 1,755,000 $ 351,000 $ 130,000
Buchanan, Missouri 5 $ 1,015,000 $ 203,000 $ 63,000
Lee, Florida 4 $ 1,700,000 $ 425,000 $ 229,000
Callaway, Missouri 4 $ 900,000 $ 225,000 $ 87,000
Christian, Missouri 4 $ 1,290,000 $ 322,500 $ 103,000
Greene, Missouri 4 $ 680,000 $ 170,000 $ 84,000
Pima, Arizona 3 $ 1,065,000 $ 355,000 $ 178,000
Carroll, Arkansas 3 $ 1,045,000 $ 348,333 $ 216,000
Cook, Illinois 3 $ 1,295,000 $ 431,666 $ 258,000
Jersey, Illinois 3 $ 665,000 $ 221,666 $ 0
Riley, Kansas 3 $ 655,000 $ 218,333 $ 170,000
Clinton, Missouri 3 $ 665,000 $ 221,666 $ 83,000
Cole, Missouri 3 $ 825,000 $ 275,000 $ 118,000
Crawford, Missouri 3 $ 505,000 $ 168,333 $ 70,000
Laclede, Missouri 3 $ 495,000 $ 165,000 $ 49,000
Phelps, Missouri 3 $ 875,000 $ 291,666 $ 137,000
Ray, Missouri 3 $ 425,000 $ 141,666 $ 102,000
Jefferson, Alabama 2 $ 350,000 $ 175,000 $ 163,000
Pinal, Arizona 2 $ 830,000 $ 415,000 $ 99,000
Yavapai, Arizona 2 $ 790,000 $ 395,000 $ 136,000
Washington, Arkansas 2 $ 700,000 $ 350,000 $ 236,000
Los Angeles, California 2 $ 1,580,000 $ 790,000 $ 416,000
Boulder, Colorado 2 $ 1,120,000 $ 560,000 $ 226,000
Jefferson, Colorado 2 $ 1,650,000 $ 825,000 $ 232,000
Brevard, Florida 2 $ 870,000 $ 435,000 $ 192,000
St. Johns, Florida 2 $ 920,000 $ 460,000 $ 283,000
Logan, Illinois 2 $ 230,000 $ 115,000 $ 64,000
Union, Illinois 2 $ 320,000 $ 160,000 $ 118,000
Marion, Indiana 2 $ 650,000 $ 325,000 $ 120,000
Jackson, Kansas 2 $ 710,000 $ 355,000 $ 133,000
Montgomery, Kansas 2 $ 340,000 $ 170,000 $ 102,000
Osage, Kansas 2 $ 390,000 $ 195,000 $ 79,000
St. Charles, Louisiana 2 $ 720,000 $ 360,000 $ 190,000
Dakota, Minnesota 2 $ 750,000 $ 375,000 $ 150,000
Harrison, Mississippi 2 $ 540,000 $ 270,000 $ 212,000
Lafayette, Missouri 2 $ 790,000 $ 395,000 $ 126,000
Stone, Missouri 2 $ 780,000 $ 390,000 $ 161,000
Washington, Missouri 2 $ 940,000 $ 470,000 $ 224,000
Cuyahoga, Ohio 2 $ 340,000 $ 170,000 $ 214,000
Hamilton, Tennessee 2 $ 580,000 $ 290,000 $ 70,000
Williamson, Tennessee 2 $ 1,470,000 $ 735,000 $ 233,000
Bexar, Texas 2 $ 670,000 $ 335,000 $ 171,000
Parker, Texas 2 $ 1,030,000 $ 515,000 $ 197,000
Tarrant, Texas 2 $ 1,340,000 $ 670,000 $ 404,000
Williamson, Texas 2 $ 580,000 $ 290,000 $ 215,000
Albemarle, Virginia 2 $ 1,140,000 $ 570,000 $ 222,000
Apache, Arizona 1 $ 425,000 $ 425,000 $ 214,000
Gila, Arizona 1 $ 315,000 $ 315,000 $ 80,000
Navajo, Arizona 1 $ 405,000 $ 405,000 $ 212,000
Benton, Arkansas 1 $ 155,000 $ 155,000 $ 117,000
Craighead, Arkansas 1 $ 155,000 $ 155,000 $ 240,000
Franklin, Arkansas 1 $ 85,000 $ 85,000 $ 85,000
Riverside, California 1 $ 515,000 $ 515,000 $ 139,000
Sacramento, California 1 $ 175,000 $ 175,000 $ 285,000
Adams, Colorado 1 $ 355,000 $ 355,000 $ 133,000
Denver, Colorado 1 $ 865,000 $ 865,000 $ 585,000
Douglas, Colorado 1 $ 505,000 $ 505,000 $ 135,000
El Paso, Colorado 1 $ 325,000 $ 325,000 $ 186,000
Southeastern Connecticut Planning Region, Connecticut 1 $ 465,000 $ 465,000 $ 146,000
Bay, Florida 1 $ 635,000 $ 635,000 $ 247,000
Charlotte, Florida 1 $ 115,000 $ 115,000 $ 80,000
Collier, Florida 1 $ 685,000 $ 685,000 $ 156,000
Marion, Florida 1 $ 175,000 $ 175,000 $ 88,000
Martin, Florida 1 $ 375,000 $ 375,000 $ 268,000
Okaloosa, Florida 1 $ 465,000 $ 465,000 $ 137,000
Orange, Florida 1 $ 205,000 $ 205,000 $ 407,000
Palm Beach, Florida 1 $ 425,000 $ 425,000 $ 147,000
Santa Rosa, Florida 1 $ 485,000 $ 485,000 $ 184,000
Cherokee, Georgia 1 $ 465,000 $ 465,000 $ 360,000
Fulton, Georgia 1 $ 855,000 $ 855,000 $ 478,000
Long, Georgia 1 $ 325,000 $ 325,000 $ 77,000
Canyon, Idaho 1 $ 295,000 $ 295,000 $ 180,000
DuPage, Illinois 1 $ 195,000 $ 195,000 $ 118,000
Henderson, Illinois 1 $ 265,000 $ 265,000 $ 122,000
Macon, Illinois 1 $ 235,000 $ 235,000 $ 168,000
Monroe, Illinois 1 $ 215,000 $ 215,000 $ 270,000
Montgomery, Illinois 1 $ 355,000 $ 355,000 $ 233,000
Shelby, Illinois 1 $ 225,000 $ 225,000 $ 188,000
Williamson, Illinois 1 $ 245,000 $ 245,000 $ 64,000
Buchanan, Iowa 1 $ 335,000 $ 335,000 $ 202,000
Marion, Iowa 1 $ 75,000 $ 75,000 $ 280,000
Story, Iowa 1 $ 405,000 $ 405,000 $ 230,000
Anderson, Kansas 1 $ 145,000 $ 145,000 $ 90,000
Butler, Kansas 1 $ 345,000 $ 345,000 $ 115,000
Cherokee, Kansas 1 $ 245,000 $ 245,000 $ 86,000
Ellis, Kansas 1 $ 135,000 $ 135,000 $ 46,000
Wilson, Kansas 1 $ 275,000 $ 275,000 $ 258,000
Trigg, Kentucky 1 $ 815,000 $ 815,000 $ 311,000
Lincoln, Maine 1 $ 455,000 $ 455,000 $ 638,000
Prince George's, Maryland 1 $ 365,000 $ 365,000 $ 204,000
Middlesex, Massachusetts 1 $ 685,000 $ 685,000 $ 190,000
Kalamazoo, Michigan 1 $ 265,000 $ 265,000 $ 120,000
Kent, Michigan 1 $ 605,000 $ 605,000 $ 332,000
Wright, Minnesota 1 $ 315,000 $ 315,000 $ 83,000
Bates, Missouri 1 $ 115,000 $ 115,000 $ 73,000
Benton, Missouri 1 $ 355,000 $ 355,000 $ 106,000
Caldwell, Missouri 1 $ 345,000 $ 345,000 $ 90,000
Cape Girardeau, Missouri 1 $ 315,000 $ 315,000 $ 91,000
DeKalb, Missouri 1 $ 95,000 $ 95,000 $ 55,000
Henry, Missouri 1 $ 185,000 $ 185,000 $ 41,000
Hickory, Missouri 1 $ 45,000 $ 45,000 $ 32,000
Howell, Missouri 1 $ 215,000 $ 215,000 $ 75,000
Macon, Missouri 1 $ 75,000 $ 75,000 $ 23,000
Pulaski, Missouri 1 $ 285,000 $ 285,000 $ 146,000
Ralls, Missouri 1 $ 195,000 $ 195,000 $ 113,000
St. Francois, Missouri 1 $ 205,000 $ 205,000 $ 74,000
Texas, Missouri 1 $ 335,000 $ 335,000 $ 77,000
Wright, Missouri 1 $ 275,000 $ 275,000 $ 57,000
Flathead, Montana 1 $ 645,000 $ 645,000 $ 372,000
Douglas, Nebraska 1 $ 305,000 $ 305,000 $ 120,000
Otoe, Nebraska 1 $ 195,000 $ 195,000 $ 75,000
Sarpy, Nebraska 1 $ 455,000 $ 455,000 $ 124,000
Hudson, New Jersey 1 $ 635,000 $ 635,000 $ 208,000
Middlesex, New Jersey 1 $ 555,000 $ 555,000 $ 262,000
Sandoval, New Mexico 1 $ 485,000 $ 485,000 $ 146,000
Forsyth, North Carolina 1 $ 235,000 $ 235,000 $ 299,000
Haywood, North Carolina 1 $ 515,000 $ 515,000 $ 131,000
Mecklenburg, North Carolina 1 $ 505,000 $ 505,000 $ 202,000
Fayette, Ohio 1 $ 515,000 $ 515,000 $ 137,000
Canadian, Oklahoma 1 $ 415,000 $ 415,000 $ 110,000
Osage, Oklahoma 1 $ 225,000 $ 225,000 $ 93,000
Rogers, Oklahoma 1 $ 365,000 $ 365,000 $ 173,000
Tulsa, Oklahoma 1 $ 275,000 $ 275,000 $ 73,000
Multnomah, Oregon 1 $ 495,000 $ 495,000 $ 219,000
Lancaster, Pennsylvania 1 $ 245,000 $ 245,000 $ 143,000
Beaufort, South Carolina 1 $ 355,000 $ 355,000 $ 181,000
Pickens, South Carolina 1 $ 1,975,000 $ 1,975,000 $ 793,000
Knox, Tennessee 1 $ 385,000 $ 385,000 $ 188,000
Loudon, Tennessee 1 $ 485,000 $ 485,000 $ 469,000
McMinn, Tennessee 1 $ 235,000 $ 235,000 $ 50,000
Sumner, Tennessee 1 $ 305,000 $ 305,000 $ 101,000
Washington, Tennessee 1 $ 505,000 $ 505,000 $ 415,000
Collin, Texas 1 $ 765,000 $ 765,000 $ 347,000
Denton, Texas 1 $ 175,000 $ 175,000 $ 69,000
El Paso, Texas 1 $ 215,000 $ 215,000 $ 112,000
Galveston, Texas 1 $ 365,000 $ 365,000 $ 112,000
Harris, Texas 1 $ 155,000 $ 155,000 $ 107,000
Kaufman, Texas 1 $ 235,000 $ 235,000 $ 95,000
Chesterfield, Virginia 1 $ 415,000 $ 415,000 $ 234,000
Fairfax, Virginia 1 $ 465,000 $ 465,000 $ 387,000
King, Washington 1 $ 1,105,000 $ 1,105,000 $ 379,000
Pierce, Washington 1 $ 405,000 $ 405,000 $ 84,000
Milwaukee, Wisconsin 1 $ 105,000 $ 105,000 $ 73,000
Fremont, Wyoming 1 $ 265,000 $ 265,000 $ 0

Mortgage Loan Application Detail Totals for First State Bank of St Charles in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,934 $629,190,000 $325,000 $2,255,000 $160,000 $1,812,000
Refinancing 323 $110,485,000 $342,000 $1,505,000 $190,000 $1,185,000
Cash-out Refinancing 137 $45,815,000 $334,000 $1,355,000 $191,000 $1,371,000
Home Improvement 12 $2,630,000 $219,000 $555,000 $186,000 $491,000
Other Purpose 9 $2,885,000 $320,000 $545,000 $115,000 $283,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,777 $611,985,000 $344,000 $2,255,000 $164,000 $1,812,000
Not applicable 174 $29,430,000 $169,000 $615,000 $0 $0
Not Provided 157 $55,605,000 $354,000 $1,565,000 $170,000 $769,000
Asian 141 $39,405,000 $279,000 $1,105,000 $219,000 $1,031,000
Hispanic 105 $32,335,000 $307,000 $855,000 $132,000 $620,000
Black or African American 42 $14,200,000 $338,000 $1,355,000 $122,000 $392,000
American Indian or Alaskan Native 16 $6,300,000 $393,000 $1,185,000 $135,000 $420,000
Native Hawaiian or Other Pacific Islander 3 $1,745,000 $581,000 $895,000 $278,000 $575,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,084 $689,500,000 $330,000 $2,255,000 $176,000 $1,812,000
FHA-insured (Federal Housing Administration) 200 $53,690,000 $268,000 $535,000 $97,000 $519,000
VA-guaranteed (Veterans Administration) 114 $43,670,000 $383,000 $965,000 $118,000 $430,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $4,145,000 $243,000 $335,000 $84,000 $120,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,391 $786,825,000 $329,000 $2,255,000 $166,000 $1,812,000
Application Withdrawn By Applicant 24 $4,180,000 $174,000 $435,000 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Application Denied By Financial Institution 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,415 $791,005,000 $327,000 $2,255,000 $166,000 $1,812,000
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank of St Charles's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess First State Bank of St Charles's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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