First State Bank Of St. Charles, Missouri
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
First State Bank Of St. Charles, Missouri 2018 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 | 4,518 |
| Total Mortgage Loan Application Amount | $987,200,000 |
| Average Mortgage Loan Application Amount | $194,600 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $114,400 |
| Highest Applicant Income | $2,038,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Kansas | 937 | $ 244,575,000 | $ 261,000 | $ 133,000 |
| Jackson County Missouri | 598 | $ 124,130,000 | $ 207,000 | $ 107,000 |
| St. Charles County Missouri | 492 | $ 98,470,000 | $ 200,000 | $ 96,000 |
| St. Louis County Missouri | 425 | $ 85,805,000 | $ 201,000 | $ 107,000 |
| Maricopa County Arizona | 268 | $ 74,980,000 | $ 279,000 | $ 117,000 |
| Clay County Missouri | 232 | $ 43,440,000 | $ 187,000 | $ 86,000 |
| Camden County Missouri | 190 | $ 33,570,000 | $ 176,000 | $ 146,000 |
| Wyandotte County Kansas | 140 | $ 20,650,000 | $ 147,000 | $ 65,000 |
| St. Louis City County Missouri | 136 | $ 20,810,000 | $ 153,000 | $ 98,000 |
| Platte County Missouri | 107 | $ 23,855,000 | $ 222,000 | $ 104,000 |
| Cass County Missouri | 96 | $ 22,040,000 | $ 229,000 | $ 101,000 |
| Lincoln County Missouri | 94 | $ 16,700,000 | $ 177,000 | $ 66,000 |
| Leavenworth County Kansas | 82 | $ 17,840,000 | $ 217,000 | $ 100,000 |
| Jefferson County Missouri | 64 | $ 11,780,000 | $ 184,000 | $ 89,000 |
| Miller County Missouri | 33 | $ 4,295,000 | $ 130,000 | $ 80,000 |
| Warren County Missouri | 33 | $ 6,205,000 | $ 188,000 | $ 98,000 |
| Morgan County Missouri | 30 | $ 5,100,000 | $ 170,000 | $ 202,000 |
| Miami County Kansas | 27 | $ 7,425,000 | $ 275,000 | $ 111,000 |
| Franklin County Missouri | 22 | $ 4,300,000 | $ 195,000 | $ 86,000 |
| Douglas County Kansas | 19 | $ 4,275,000 | $ 225,000 | $ 102,000 |
| Ingham County Michigan | 12 | $ 1,760,000 | $ 146,000 | $ 59,000 |
| Madison County Illinois | 11 | $ 3,225,000 | $ 293,000 | $ 129,000 |
| Pinal County Arizona | 10 | $ 2,100,000 | $ 210,000 | $ 63,000 |
| Delaware County Oklahoma | 9 | $ 1,455,000 | $ 161,000 | $ 83,000 |
| Coconino County Arizona | 8 | $ 2,510,000 | $ 313,000 | $ 274,000 |
| Eaton County Michigan | 8 | $ 920,000 | $ 115,000 | $ 54,000 |
| Ray County Missouri | 8 | $ 1,200,000 | $ 150,000 | $ 60,000 |
| Shiawassee County Michigan | 7 | $ 1,355,000 | $ 193,000 | $ 93,000 |
| St. Clair County Illinois | 6 | $ 970,000 | $ 161,000 | $ 86,000 |
| Jefferson County Kansas | 6 | $ 1,090,000 | $ 181,000 | $ 69,000 |
| Boone County Missouri | 6 | $ 1,380,000 | $ 230,000 | $ 133,000 |
| Johnson County Missouri | 6 | $ 1,330,000 | $ 221,000 | $ 89,000 |
| Douglas County Nebraska | 6 | $ 3,130,000 | $ 521,000 | $ 226,000 |
| Clark County Nevada | 6 | $ 1,780,000 | $ 296,000 | $ 132,000 |
| Union County New Jersey | 6 | $ 2,490,000 | $ 415,000 | $ 116,000 |
| Franklin County Kansas | 5 | $ 825,000 | $ 165,000 | $ 80,000 |
| Sedgwick County Kansas | 5 | $ 805,000 | $ 161,000 | $ 75,000 |
| Greene County Missouri | 5 | $ 815,000 | $ 163,000 | $ 222,000 |
| Pike County Missouri | 5 | $ 655,000 | $ 131,000 | $ 52,000 |
| Yavapai County Arizona | 4 | $ 630,000 | $ 157,000 | $ 64,000 |
| Denver County Colorado | 4 | $ 1,100,000 | $ 275,000 | $ 560,000 |
| Lee County Florida | 4 | $ 1,930,000 | $ 482,000 | $ 170,000 |
| Gwinnett County Georgia | 4 | $ 980,000 | $ 245,000 | $ 71,000 |
| Buchanan County Missouri | 4 | $ 570,000 | $ 142,000 | $ 54,000 |
| Henry County Missouri | 4 | $ 530,000 | $ 132,000 | $ 56,000 |
| Stone County Missouri | 4 | $ 870,000 | $ 217,000 | $ 221,000 |
| Bexar County Texas | 4 | $ 1,170,000 | $ 292,000 | $ 107,000 |
| Collier County Florida | 3 | $ 695,000 | $ 231,000 | $ 209,000 |
| Orange County Florida | 3 | $ 775,000 | $ 258,000 | $ 144,000 |
| Fulton County Georgia | 3 | $ 1,325,000 | $ 441,000 | $ 222,000 |
| Monroe County Illinois | 3 | $ 995,000 | $ 331,000 | $ 204,000 |
| Linn County Kansas | 3 | $ 535,000 | $ 178,000 | $ 109,000 |
| Clinton County Michigan | 3 | $ 685,000 | $ 228,000 | $ 84,000 |
| Benton County Missouri | 3 | $ 475,000 | $ 158,000 | $ 98,000 |
| Clinton County Missouri | 3 | $ 685,000 | $ 228,000 | $ 127,000 |
| Cole County Missouri | 3 | $ 435,000 | $ 145,000 | $ 70,000 |
| Gasconade County Missouri | 3 | $ 475,000 | $ 158,000 | $ 112,000 |
| Hickory County Missouri | 3 | $ 265,000 | $ 88,000 | $ 51,000 |
| Montgomery County Missouri | 3 | $ 265,000 | $ 88,000 | $ 28,000 |
| Polk County Missouri | 3 | $ 715,000 | $ 238,000 | $ 155,000 |
| Lancaster County Nebraska | 3 | $ 565,000 | $ 188,000 | $ 190,000 |
| Bell County Texas | 3 | $ 785,000 | $ 261,000 | $ 86,000 |
| Collin County Texas | 3 | $ 665,000 | $ 221,000 | $ 122,000 |
| Dallas County Texas | 3 | $ 1,285,000 | $ 428,000 | $ 219,000 |
| Denton County Texas | 3 | $ 865,000 | $ 288,000 | $ 151,000 |
| Pima County Arizona | 2 | $ 370,000 | $ 185,000 | $ 59,000 |
| San Diego County California | 2 | $ 1,020,000 | $ 510,000 | $ 117,000 |
| Arapahoe County Colorado | 2 | $ 790,000 | $ 395,000 | $ 156,000 |
| Jefferson County Colorado | 2 | $ 420,000 | $ 210,000 | $ 101,000 |
| Broward County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 210,000 |
| Pinellas County Florida | 2 | $ 490,000 | $ 245,000 | $ 212,000 |
| McHenry County Illinois | 2 | $ 480,000 | $ 240,000 | $ 96,000 |
| Hamilton County Indiana | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Cherokee County Kansas | 2 | $ 410,000 | $ 205,000 | $ 84,000 |
| Osage County Kansas | 2 | $ 500,000 | $ 250,000 | $ 84,000 |
| Riley County Kansas | 2 | $ 350,000 | $ 175,000 | $ 203,000 |
| Jefferson County Kentucky | 2 | $ 450,000 | $ 225,000 | $ 59,000 |
| Hennepin County Minnesota | 2 | $ 560,000 | $ 280,000 | $ 73,000 |
| Bates County Missouri | 2 | $ 640,000 | $ 320,000 | $ 110,000 |
| Callaway County Missouri | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Crawford County Missouri | 2 | $ 200,000 | $ 100,000 | $ 99,000 |
| Jasper County Missouri | 2 | $ 260,000 | $ 130,000 | $ 71,000 |
| Randolph County Missouri | 2 | $ 370,000 | $ 185,000 | $ 90,000 |
| Ste. Genevieve County Missouri | 2 | $ 400,000 | $ 200,000 | $ 61,000 |
| Gallatin County Montana | 2 | $ 320,000 | $ 160,000 | $ 53,000 |
| Platte County Nebraska | 2 | $ 380,000 | $ 190,000 | $ 84,000 |
| Hillsborough County New Hampshire | 2 | $ 1,310,000 | $ 655,000 | $ 335,000 |
| Essex County New Jersey | 2 | $ 820,000 | $ 410,000 | $ 106,000 |
| Middlesex County New Jersey | 2 | $ 970,000 | $ 485,000 | $ 165,000 |
| Iredell County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 111,000 |
| Cuyahoga County Ohio | 2 | $ 730,000 | $ 365,000 | $ 225,000 |
| Canadian County Oklahoma | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Tulsa County Oklahoma | 2 | $ 430,000 | $ 215,000 | $ 176,000 |
| Greenville County South Carolina | 2 | $ 610,000 | $ 305,000 | $ 177,000 |
| Harris County Texas | 2 | $ 740,000 | $ 370,000 | $ 225,000 |
| Montgomery County Texas | 2 | $ 450,000 | $ 225,000 | $ 48,000 |
| King County Washington | 2 | $ 960,000 | $ 480,000 | $ 353,000 |
| Mohave County Arizona | 1 | $ 375,000 | $ 375,000 | $ 98,000 |
| Navajo County Arizona | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Benton County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 116,000 |
| Pulaski County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Saline County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Washington County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Los Angeles County California | 1 | $ 455,000 | $ 455,000 | $ 215,000 |
| Orange County California | 1 | $ 675,000 | $ 675,000 | $ 144,000 |
| Placer County California | 1 | $ 515,000 | $ 515,000 | $ 373,000 |
| Sacramento County California | 1 | $ 435,000 | $ 435,000 | $ 270,000 |
| Adams County Colorado | 1 | $ 485,000 | $ 485,000 | $ 85,000 |
| Boulder County Colorado | 1 | $ 455,000 | $ 455,000 | $ 256,000 |
| Clear Creek County Colorado | 1 | $ 315,000 | $ 315,000 | $ 183,000 |
| Douglas County Colorado | 1 | $ 475,000 | $ 475,000 | $ 209,000 |
| Larimer County Colorado | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Summit County Colorado | 1 | $ 405,000 | $ 405,000 | $ 241,000 |
| Litchfield County Connecticut | 1 | $ 765,000 | $ 765,000 | $ 216,000 |
| Tolland County Connecticut | 1 | $ 355,000 | $ 355,000 | $ 179,000 |
| Bay County Florida | 1 | $ 375,000 | $ 375,000 | $ 304,000 |
| Brevard County Florida | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Hillsborough County Florida | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Manatee County Florida | 1 | $ 485,000 | $ 485,000 | $ 83,000 |
| Monroe County Florida | 1 | $ 385,000 | $ 385,000 | $ 441,000 |
| Okaloosa County Florida | 1 | $ 335,000 | $ 335,000 | $ 575,000 |
| Palm Beach County Florida | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Sarasota County Florida | 1 | $ 235,000 | $ 235,000 | $ 266,000 |
| Walton County Florida | 1 | $ 435,000 | $ 435,000 | $ 122,000 |
| Bibb County Georgia | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Chatham County Georgia | 1 | $ 435,000 | $ 435,000 | $ 101,000 |
| Greene County Georgia | 1 | $ 455,000 | $ 455,000 | $ 76,000 |
| Houston County Georgia | 1 | $ 425,000 | $ 425,000 | $ 205,000 |
| Jackson County Georgia | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Walker County Georgia | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Calhoun County Illinois | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Cook County Illinois | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| DuPage County Illinois | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Macoupin County Illinois | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Kosciusko County Indiana | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Johnson County Iowa | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Polk County Iowa | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Scott County Iowa | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Anderson County Kansas | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Atchison County Kansas | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Bourbon County Kansas | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Butler County Kansas | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Cowley County Kansas | 1 | $ 65,000 | $ 65,000 | $ 185,000 |
| Crawford County Kansas | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Ellsworth County Kansas | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Jackson County Kansas | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Neosho County Kansas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Pottawatomie County Kansas | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Thomas County Kansas | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Kenton County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Orleans County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 568,000 |
| Caroline County Maryland | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Montgomery County Maryland | 1 | $ 765,000 | $ 765,000 | $ 192,000 |
| Worcester County Massachusetts | 1 | $ 445,000 | $ 445,000 | $ 143,000 |
| Jackson County Michigan | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Macomb County Michigan | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Muskegon County Michigan | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Washtenaw County Michigan | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Dodge County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Olmsted County Minnesota | 1 | $ 475,000 | $ 475,000 | $ 205,000 |
| St. Louis County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Lafayette County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 358,000 |
| Andrew County Missouri | 1 | $ 335,000 | $ 335,000 | $ 201,000 |
| Barry County Missouri | 1 | $ 115,000 | $ 115,000 | $ 133,000 |
| Butler County Missouri | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Caldwell County Missouri | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Christian County Missouri | 1 | $ 475,000 | $ 475,000 | $ 120,000 |
| Dent County Missouri | 1 | $ 165,000 | $ 165,000 | $ 220,000 |
| Gentry County Missouri | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Holt County Missouri | 1 | $ 75,000 | $ 75,000 | $ 15,000 |
| Lafayette County Missouri | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Livingston County Missouri | 1 | $ 185,000 | $ 185,000 | $ 152,000 |
| Maries County Missouri | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Moniteau County Missouri | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Phelps County Missouri | 1 | $ 455,000 | $ 455,000 | $ 616,000 |
| Pulaski County Missouri | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| St. Francois County Missouri | 1 | $ 385,000 | $ 385,000 | $ 140,000 |
| Washington County Missouri | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Webster County Missouri | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Lake County Montana | 1 | $ 195,000 | $ 195,000 | $ 176,000 |
| Madison County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 214,000 |
| Merrick County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Red Willow County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 130,000 |
| Saunders County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 224,000 |
| Elko County Nevada | 1 | $ 215,000 | $ 215,000 | $ 125,000 |
| Hudson County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 275,000 |
| Morris County New Jersey | 1 | $ 475,000 | $ 475,000 | $ 133,000 |
| Otsego County New York | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Carteret County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Mecklenburg County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 282,000 |
| Butler County Ohio | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Hamilton County Ohio | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Montgomery County Ohio | 1 | $ 525,000 | $ 525,000 | $ 359,000 |
| Sandusky County Ohio | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Garvin County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Lincoln County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Muskogee County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Oklahoma County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Clatsop County Oregon | 1 | $ 455,000 | $ 455,000 | $ 81,000 |
| Multnomah County Oregon | 1 | $ 585,000 | $ 585,000 | $ 145,000 |
| Washington County Oregon | 1 | $ 215,000 | $ 215,000 | $ 229,000 |
| Chester County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 321,000 |
| Monroe County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Blount County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Coffee County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Shelby County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Jeff Davis County Texas | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Lubbock County Texas | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Travis County Texas | 1 | $ 385,000 | $ 385,000 | $ 221,000 |
| Williamson County Texas | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Davis County Utah | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Utah County Utah | 1 | $ 245,000 | $ 245,000 | $ 139,000 |
| Chesterfield County Virginia | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Clallam County Washington | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Cowlitz County Washington | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Dane County Wisconsin | 1 | $ 445,000 | $ 445,000 | $ 131,000 |
| Kenosha County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Manitowoc County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Outagamie County Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Walworth County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 371,000 |
Mortgage Loan Application Detail Totals for First State Bank Of St. Charles, Missouri in 2018
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 | 3,874 | $840,280,000 | $216,000 | $1,105,000 | $110,000 | $2,038,000 |
| Cash-out Refinancing | 308 | $69,500,000 | $225,000 | $1,155,000 | $115,000 | $716,000 |
| Refinancing | 288 | $69,350,000 | $240,000 | $1,645,000 | $121,000 | $575,000 |
| Other Purpose | 40 | $7,160,000 | $179,000 | $505,000 | $138,000 | $723,000 |
| Home Improvement | 8 | $910,000 | $113,000 | $175,000 | $88,000 | $150,000 |
| 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 | 3,676 | $828,620,000 | $225,000 | $1,205,000 | $114,000 | $2,038,000 |
| Hispanic | 255 | $47,625,000 | $186,000 | $1,105,000 | $72,000 | $462,000 |
| Not Provided | 157 | $33,365,000 | $212,000 | $495,000 | $111,000 | $720,000 |
| Black or African American | 157 | $27,385,000 | $174,000 | $565,000 | $79,000 | $452,000 |
| Not applicable | 121 | $14,185,000 | $117,000 | $705,000 | $0 | $0 |
| Asian | 108 | $25,900,000 | $239,000 | $1,645,000 | $172,000 | $658,000 |
| American Indian or Alaskan Native | 23 | $4,615,000 | $200,000 | $455,000 | $100,000 | $414,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,780,000 | $296,000 | $605,000 | $154,000 | $316,000 |
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) | 3,588 | $814,490,000 | $227,000 | $1,645,000 | $122,000 | $2,038,000 |
| FHA-insured (Federal Housing Administration) | 646 | $108,230,000 | $167,000 | $405,000 | $68,000 | $349,000 |
| VA-guaranteed (Veterans Administration) | 223 | $54,965,000 | $246,000 | $705,000 | $87,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $9,515,000 | $155,000 | $275,000 | $58,000 | $110,000 |
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 | 3,550 | $763,590,000 | $215,000 | $1,025,000 | $112,000 | $2,038,000 |
| Application Withdrawn By Applicant | 593 | $140,665,000 | $237,000 | $1,645,000 | $120,000 | $1,553,000 |
| Application Denied By Financial Institution | 210 | $45,750,000 | $217,000 | $1,125,000 | $92,000 | $775,000 |
| Preapproval Approved but not Accepted | 69 | $15,555,000 | $225,000 | $615,000 | $89,000 | $313,000 |
| File Closed For Incompleteness | 49 | $12,585,000 | $256,000 | $1,205,000 | $110,000 | $429,000 |
| Application Approved But Not Accepted | 24 | $5,090,000 | $212,000 | $505,000 | $114,000 | $388,000 |
| Preapproval Denied by Financial Institution | 20 | $3,570,000 | $178,000 | $805,000 | $50,000 | $98,000 |
| Loan Purchased By The Institution | 3 | $395,000 | $131,000 | $175,000 | $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 | 4,288 | $937,880,000 | $218,000 | $1,645,000 | $112,000 | $2,038,000 |
| Debt-To-Income Ratio | 81 | $21,935,000 | $270,000 | $1,125,000 | $82,000 | $380,000 |
| Other | 51 | $11,485,000 | $225,000 | $765,000 | $117,000 | $775,000 |
| Credit History | 46 | $6,720,000 | $146,000 | $325,000 | $74,000 | $440,000 |
| Collateral | 26 | $4,530,000 | $174,000 | $445,000 | $100,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,720,000 | $143,000 | $225,000 | $65,000 | $103,000 |
| Employment History | 9 | $1,525,000 | $169,000 | $325,000 | $44,000 | $83,000 |
| Unverifiable Information | 4 | $1,150,000 | $287,000 | $405,000 | $113,000 | $152,000 |
| Credit Application Incomplete | 1 | $255,000 | $255,000 | $255,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank Of St. Charles, Missouri's 2018 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.