First State Bank Of St. Charles, Missouri
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First State Bank Of St. Charles, Missouri 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First State Bank Of St. Charles, Missouri 2850 West Clay St St Charles, MO 63301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 3,790 |
| Total Mortgage Loan Application Amount | $665,401,000 |
| Average Mortgage Loan Application Amount | $160,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $101,666 |
| Highest Applicant Income | $1,574,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First State Bank Of St. Charles, Missouri. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First State Bank Of St. Charles, Missouri's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down First State Bank Of St. Charles, Missouri's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First State Bank Of St. Charles, Missouri serves its applicants.
Each category highlights the total number of mortgage applications processed by First State Bank Of St. Charles, Missouri, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First State Bank Of St. Charles, Missouri's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Charles County Missouri | 868 | $ 140,329,000 | $ 161,000 | $ 75,000 |
| St. Louis County Missouri | 740 | $ 135,265,000 | $ 182,000 | $ 91,000 |
| Johnson County Kansas | 454 | $ 100,178,000 | $ 220,000 | $ 109,000 |
| Camden County Missouri | 282 | $ 50,322,000 | $ 178,000 | $ 133,000 |
| Jackson County Missouri | 225 | $ 40,822,000 | $ 181,000 | $ 99,000 |
| Jefferson County Missouri | 187 | $ 30,409,000 | $ 162,000 | $ 75,000 |
| Franklin County Missouri | 99 | $ 14,248,000 | $ 143,000 | $ 75,000 |
| St. Louis City County Missouri | 99 | $ 14,398,000 | $ 145,000 | $ 79,000 |
| Lincoln County Missouri | 70 | $ 9,429,000 | $ 134,000 | $ 54,000 |
| Miller County Missouri | 54 | $ 8,102,000 | $ 150,000 | $ 108,000 |
| St. Francois County Missouri | 53 | $ 6,142,000 | $ 115,000 | $ 58,000 |
| Cole County Missouri | 50 | $ 6,420,000 | $ 128,000 | $ 65,000 |
| Cass County Missouri | 47 | $ 9,736,000 | $ 207,000 | $ 101,000 |
| Clay County Missouri | 39 | $ 6,930,000 | $ 177,000 | $ 89,000 |
| Warren County Missouri | 39 | $ 6,166,000 | $ 158,000 | $ 68,000 |
| Ste. Genevieve County Missouri | 36 | $ 5,599,000 | $ 155,000 | $ 75,000 |
| Platte County Missouri | 35 | $ 6,568,000 | $ 187,000 | $ 90,000 |
| Boone County Missouri | 33 | $ 5,926,000 | $ 179,000 | $ 96,000 |
| Leavenworth County Kansas | 25 | $ 4,550,000 | $ 182,000 | $ 85,000 |
| Wyandotte County Kansas | 25 | $ 3,833,000 | $ 153,000 | $ 62,000 |
| Morgan County Missouri | 25 | $ 4,066,000 | $ 162,000 | $ 96,000 |
| Cape Girardeau County Missouri | 21 | $ 3,926,000 | $ 186,000 | $ 108,000 |
| Miami County Kansas | 12 | $ 2,530,000 | $ 210,000 | $ 75,000 |
| Callaway County Missouri | 12 | $ 1,472,000 | $ 122,000 | $ 75,000 |
| Madison County Illinois | 11 | $ 2,440,000 | $ 221,000 | $ 126,000 |
| St. Clair County Illinois | 11 | $ 1,415,000 | $ 128,000 | $ 105,000 |
| Pettis County Missouri | 10 | $ 1,045,000 | $ 104,000 | $ 50,000 |
| Osage County Missouri | 9 | $ 1,390,000 | $ 154,000 | $ 76,000 |
| Washington County Missouri | 9 | $ 912,000 | $ 101,000 | $ 49,000 |
| Monroe County Illinois | 8 | $ 1,304,000 | $ 163,000 | $ 108,000 |
| Pike County Missouri | 6 | $ 864,000 | $ 144,000 | $ 116,000 |
| Stone County Missouri | 6 | $ 909,000 | $ 151,000 | $ 89,000 |
| Maricopa County Arizona | 5 | $ 1,122,000 | $ 224,000 | $ 112,000 |
| Christian County Missouri | 5 | $ 829,000 | $ 165,000 | $ 74,000 |
| Greene County Missouri | 5 | $ 649,000 | $ 129,000 | $ 87,000 |
| Pulaski County Missouri | 5 | $ 821,000 | $ 164,000 | $ 65,000 |
| Scott County Missouri | 5 | $ 819,000 | $ 163,000 | $ 117,000 |
| Platte County Nebraska | 5 | $ 922,000 | $ 184,000 | $ 184,000 |
| Fulton County Georgia | 4 | $ 897,000 | $ 224,000 | $ 117,000 |
| Caldwell County Missouri | 4 | $ 618,000 | $ 154,000 | $ 73,000 |
| Crawford County Missouri | 4 | $ 840,000 | $ 210,000 | $ 79,000 |
| Gasconade County Missouri | 4 | $ 642,000 | $ 160,000 | $ 82,000 |
| Maries County Missouri | 4 | $ 882,000 | $ 220,000 | $ 64,000 |
| Ray County Missouri | 4 | $ 526,000 | $ 131,000 | $ 47,000 |
| Lee County Florida | 3 | $ 580,000 | $ 193,000 | $ 668,000 |
| Douglas County Kansas | 3 | $ 661,000 | $ 220,000 | $ 114,000 |
| Jefferson County Kansas | 3 | $ 446,000 | $ 148,000 | $ 92,000 |
| Buchanan County Missouri | 3 | $ 425,000 | $ 141,000 | $ 95,000 |
| Henry County Missouri | 3 | $ 606,000 | $ 202,000 | $ 411,000 |
| Johnson County Missouri | 3 | $ 450,000 | $ 150,000 | $ 112,000 |
| Lafayette County Missouri | 3 | $ 517,000 | $ 172,000 | $ 78,000 |
| Phelps County Missouri | 3 | $ 384,000 | $ 128,000 | $ 66,000 |
| Horry County South Carolina | 3 | $ 320,000 | $ 106,000 | $ 102,000 |
| Minnehaha County South Dakota | 3 | $ 1,239,000 | $ 413,000 | $ 744,000 |
| Lubbock County Texas | 3 | $ 321,000 | $ 107,000 | $ 89,000 |
| Tarrant County Texas | 3 | $ 641,000 | $ 213,000 | $ 101,000 |
| San Bernardino County California | 2 | $ 575,000 | $ 287,000 | $ 114,000 |
| Larimer County Colorado | 2 | $ 596,000 | $ 298,000 | $ 110,000 |
| Montgomery County Illinois | 2 | $ 423,000 | $ 211,000 | $ 144,000 |
| Sangamon County Illinois | 2 | $ 128,000 | $ 64,000 | $ 150,000 |
| Dickinson County Iowa | 2 | $ 1,045,000 | $ 522,000 | $ 949,000 |
| Shawnee County Kansas | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Barry County Missouri | 2 | $ 327,000 | $ 163,000 | $ 167,000 |
| Iron County Missouri | 2 | $ 115,000 | $ 57,000 | $ 24,000 |
| Jasper County Missouri | 2 | $ 278,000 | $ 139,000 | $ 71,000 |
| Marion County Missouri | 2 | $ 456,000 | $ 228,000 | $ 131,000 |
| Moniteau County Missouri | 2 | $ 219,000 | $ 109,000 | $ 73,000 |
| Perry County Missouri | 2 | $ 500,000 | $ 250,000 | $ 100,000 |
| Lincoln County South Dakota | 2 | $ 1,086,000 | $ 543,000 | $ 639,000 |
| Harris County Texas | 2 | $ 332,000 | $ 166,000 | $ 60,000 |
| Morgan County Alabama | 1 | $ 113,000 | $ 113,000 | $ 69,000 |
| Carroll County Arkansas | 1 | $ 192,000 | $ 192,000 | $ 125,000 |
| Pulaski County Arkansas | 1 | $ 595,000 | $ 595,000 | $ 193,000 |
| Los Angeles County California | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Sonoma County California | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Ventura County California | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| Boulder County Colorado | 1 | $ 120,000 | $ 120,000 | $ 187,000 |
| Broomfield County Colorado | 1 | $ 257,000 | $ 257,000 | $ 130,000 |
| Denver County Colorado | 1 | $ 113,000 | $ 113,000 | $ 92,000 |
| Douglas County Colorado | 1 | $ 307,000 | $ 307,000 | $ 73,000 |
| Mesa County Colorado | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Pueblo County Colorado | 1 | $ 219,000 | $ 219,000 | $ 172,000 |
| Alachua County Florida | 1 | $ 230,000 | $ 230,000 | $ 267,000 |
| Brevard County Florida | 1 | $ 296,000 | $ 296,000 | $ 194,000 |
| Broward County Florida | 1 | $ 265,000 | $ 265,000 | $ 240,000 |
| Flagler County Florida | 1 | $ 110,000 | $ 110,000 | $ 161,000 |
| Walton County Florida | 1 | $ 131,000 | $ 131,000 | $ 48,000 |
| Forsyth County Georgia | 1 | $ 321,000 | $ 321,000 | $ 203,000 |
| Cook County Illinois | 1 | $ 260,000 | $ 260,000 | $ 113,000 |
| DuPage County Illinois | 1 | $ 417,000 | $ 417,000 | $ 205,000 |
| Lake County Illinois | 1 | $ 162,000 | $ 162,000 | $ 97,000 |
| Macoupin County Illinois | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Morgan County Illinois | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
| White County Illinois | 1 | $ 181,000 | $ 181,000 | $ 118,000 |
| Will County Illinois | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
| Porter County Indiana | 1 | $ 183,000 | $ 183,000 | $ 93,000 |
| Crawford County Kansas | 1 | $ 57,000 | $ 57,000 | $ 136,000 |
| Dickinson County Kansas | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Franklin County Kansas | 1 | $ 233,000 | $ 233,000 | $ 62,000 |
| Harvey County Kansas | 1 | $ 204,000 | $ 204,000 | $ 146,000 |
| Linn County Kansas | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
| Sedgwick County Kansas | 1 | $ 96,000 | $ 96,000 | $ 200,000 |
| East Baton Rouge County Louisiana | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 368,000 | $ 368,000 | $ 108,000 |
| Montgomery County Maryland | 1 | $ 253,000 | $ 253,000 | $ 86,000 |
| Prince George's County Maryland | 1 | $ 323,000 | $ 323,000 | $ 128,000 |
| Washtenaw County Michigan | 1 | $ 325,000 | $ 325,000 | $ 89,000 |
| Wayne County Michigan | 1 | $ 157,000 | $ 157,000 | $ 166,000 |
| Adair County Missouri | 1 | $ 170,000 | $ 170,000 | $ 53,000 |
| Barton County Missouri | 1 | $ 94,000 | $ 94,000 | $ 165,000 |
| Bates County Missouri | 1 | $ 99,000 | $ 99,000 | $ 59,000 |
| Clinton County Missouri | 1 | $ 220,000 | $ 220,000 | $ 74,000 |
| Dade County Missouri | 1 | $ 77,000 | $ 77,000 | $ 78,000 |
| Dallas County Missouri | 1 | $ 82,000 | $ 82,000 | $ 40,000 |
| Daviess County Missouri | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Knox County Missouri | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Madison County Missouri | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Scotland County Missouri | 1 | $ 202,000 | $ 202,000 | $ 390,000 |
| Shannon County Missouri | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Texas County Missouri | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Webster County Missouri | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Flathead County Montana | 1 | $ 142,000 | $ 142,000 | $ 230,000 |
| Douglas County Nebraska | 1 | $ 97,000 | $ 97,000 | $ 134,000 |
| Sarpy County Nebraska | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Saunders County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Erie County New York | 1 | $ 249,000 | $ 249,000 | $ 90,000 |
| Cass County North Dakota | 1 | $ 140,000 | $ 140,000 | $ 34,000 |
| Cuyahoga County Ohio | 1 | $ 392,000 | $ 392,000 | $ 191,000 |
| Oklahoma County Oklahoma | 1 | $ 279,000 | $ 279,000 | $ 100,000 |
| Westmoreland County Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 112,000 |
| Beaufort County South Carolina | 1 | $ 408,000 | $ 408,000 | $ 307,000 |
| Hamblen County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Denton County Texas | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Fort Bend County Texas | 1 | $ 117,000 | $ 117,000 | $ 89,000 |
| Somervell County Texas | 1 | $ 230,000 | $ 230,000 | $ 97,000 |
| Arlington County Virginia | 1 | $ 236,000 | $ 236,000 | $ 61,000 |
| Fairfax County Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Frederick County Virginia | 1 | $ 382,000 | $ 382,000 | $ 245,000 |
| Virginia Beach County Virginia | 1 | $ 214,000 | $ 214,000 | $ 119,000 |
| King County Washington | 1 | $ 374,000 | $ 374,000 | $ 232,000 |
| Waukesha County Wisconsin | 1 | $ 270,000 | $ 270,000 | $ 96,000 |
| Teton County Wyoming | 1 | $ 1,002,000 | $ 1,002,000 | $ 253,000 |
Mortgage Loan Application Detail Totals for First State Bank Of St. Charles, Missouri in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,412 | $452,880,000 | $187,000 | $1,500,000 | $96,000 | $1,207,000 |
| Home Purchase | 1,362 | $210,289,000 | $154,000 | $1,094,000 | $86,000 | $1,574,000 |
| Home Improvement | 16 | $2,232,000 | $139,000 | $350,000 | $123,000 | $433,000 |
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 | 3,405 | $605,368,000 | $177,000 | $1,500,000 | $95,000 | $1,574,000 |
| Black or African American | 144 | $20,794,000 | $144,000 | $1,399,000 | $60,000 | $300,000 |
| Not applicable | 77 | $6,834,000 | $88,000 | $248,000 | $0 | $0 |
| Not Provided | 55 | $10,848,000 | $197,000 | $408,000 | $98,000 | $229,000 |
| Asian | 53 | $12,496,000 | $235,000 | $1,094,000 | $128,000 | $415,000 |
| Hispanic | 48 | $7,855,000 | $163,000 | $675,000 | $94,000 | $678,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $962,000 | $160,000 | $270,000 | $96,000 | $215,000 |
| American Indian or Alaskan Native | 2 | $244,000 | $122,000 | $125,000 | $41,000 | $43,000 |
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) | 2,801 | $517,362,000 | $184,000 | $1,500,000 | $106,000 | $1,574,000 |
| FHA-insured (Federal Housing Administration) | 772 | $111,975,000 | $145,000 | $417,000 | $54,000 | $1,236,000 |
| VA-guaranteed (Veterans Administration) | 136 | $26,832,000 | $197,000 | $674,000 | $56,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $9,232,000 | $113,000 | $280,000 | $44,000 | $134,000 |
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 | 2,933 | $521,303,000 | $177,000 | $1,425,000 | $93,000 | $1,574,000 |
| Application Denied By Financial Institution | 413 | $68,075,000 | $164,000 | $1,500,000 | $81,000 | $822,000 |
| Application Withdrawn By Applicant | 370 | $64,358,000 | $173,000 | $788,000 | $102,000 | $1,236,000 |
| File Closed For Incompleteness | 59 | $9,583,000 | $162,000 | $412,000 | $84,000 | $284,000 |
| Application Approved But Not Accepted | 15 | $2,082,000 | $138,000 | $417,000 | $51,000 | $167,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $128,000 | $128,000 | $128,000 | $23,000 | $23,000 |
| Credit Application Incomplete | 1 | $176,000 | $176,000 | $176,000 | $52,000 | $52,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank Of St. Charles, Missouri's 2012 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, Missouri'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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.