First State Bank Of St. Charles, Missouri
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First State Bank Of St. Charles, Missouri 2020 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 | 9,453 |
| Total Mortgage Loan Application Amount | $2,419,705,000 |
| Average Mortgage Loan Application Amount | $244,600 |
| Highest Mortgage Loan Application Amount | $3,845,000 |
| Average Applicant Income | $139,800 |
| Highest Applicant Income | $2,810,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 2,167 | $ 626,045,000 | $ 288,000 | $ 138,000 |
| St. Charles County Missouri | 1,240 | $ 285,380,000 | $ 230,000 | $ 112,000 |
| Jackson County Missouri | 1,215 | $ 290,445,000 | $ 239,000 | $ 123,000 |
| St. Louis County Missouri | 1,092 | $ 282,240,000 | $ 258,000 | $ 139,000 |
| Clay County Missouri | 491 | $ 108,585,000 | $ 221,000 | $ 97,000 |
| Maricopa County Arizona | 452 | $ 148,350,000 | $ 328,000 | $ 149,000 |
| Camden County Missouri | 343 | $ 79,365,000 | $ 231,000 | $ 181,000 |
| Platte County Missouri | 252 | $ 66,060,000 | $ 262,000 | $ 126,000 |
| St. Louis City County Missouri | 226 | $ 44,640,000 | $ 197,000 | $ 139,000 |
| Wyandotte County Kansas | 191 | $ 31,835,000 | $ 166,000 | $ 69,000 |
| Cass County Missouri | 188 | $ 49,600,000 | $ 263,000 | $ 108,000 |
| Leavenworth County Kansas | 176 | $ 43,700,000 | $ 248,000 | $ 130,000 |
| Lincoln County Missouri | 142 | $ 29,980,000 | $ 211,000 | $ 78,000 |
| Jefferson County Missouri | 131 | $ 26,625,000 | $ 203,000 | $ 93,000 |
| Miller County Missouri | 52 | $ 8,610,000 | $ 165,000 | $ 106,000 |
| Morgan County Missouri | 49 | $ 10,385,000 | $ 211,000 | $ 191,000 |
| Warren County Missouri | 47 | $ 9,685,000 | $ 206,000 | $ 94,000 |
| Miami County Kansas | 37 | $ 9,595,000 | $ 259,000 | $ 113,000 |
| Franklin County Missouri | 33 | $ 7,845,000 | $ 237,000 | $ 109,000 |
| Douglas County Kansas | 31 | $ 6,115,000 | $ 197,000 | $ 110,000 |
| Madison County Illinois | 24 | $ 4,180,000 | $ 174,000 | $ 103,000 |
| Johnson County Missouri | 23 | $ 5,375,000 | $ 233,000 | $ 85,000 |
| Larimer County Colorado | 16 | $ 6,420,000 | $ 401,000 | $ 201,000 |
| Clinton County Missouri | 16 | $ 3,510,000 | $ 219,000 | $ 87,000 |
| Delaware County Oklahoma | 16 | $ 4,860,000 | $ 303,000 | $ 249,000 |
| Sedgwick County Kansas | 15 | $ 3,245,000 | $ 216,000 | $ 134,000 |
| Stone County Missouri | 15 | $ 3,165,000 | $ 211,000 | $ 189,000 |
| Pinellas County Florida | 13 | $ 3,935,000 | $ 302,000 | $ 197,000 |
| Riley County Kansas | 13 | $ 2,745,000 | $ 211,000 | $ 114,000 |
| Dallas County Texas | 12 | $ 5,610,000 | $ 467,000 | $ 200,000 |
| Orange County California | 11 | $ 6,585,000 | $ 598,000 | $ 298,000 |
| Lee County Florida | 11 | $ 3,985,000 | $ 362,000 | $ 170,000 |
| Jefferson County Kansas | 11 | $ 2,075,000 | $ 188,000 | $ 69,000 |
| Buchanan County Missouri | 11 | $ 2,775,000 | $ 252,000 | $ 99,000 |
| Pinal County Arizona | 10 | $ 2,270,000 | $ 227,000 | $ 72,000 |
| Benton County Missouri | 10 | $ 1,310,000 | $ 131,000 | $ 138,000 |
| Boone County Missouri | 10 | $ 2,080,000 | $ 208,000 | $ 87,000 |
| Douglas County Nebraska | 10 | $ 2,870,000 | $ 287,000 | $ 186,000 |
| Cook County Illinois | 9 | $ 3,555,000 | $ 395,000 | $ 195,000 |
| Yavapai County Arizona | 8 | $ 2,320,000 | $ 290,000 | $ 120,000 |
| Los Angeles County California | 8 | $ 3,840,000 | $ 480,000 | $ 143,000 |
| Collier County Florida | 8 | $ 3,110,000 | $ 388,000 | $ 487,000 |
| Fulton County Georgia | 8 | $ 3,280,000 | $ 410,000 | $ 310,000 |
| Ray County Missouri | 8 | $ 1,420,000 | $ 177,000 | $ 90,000 |
| St. Francois County Missouri | 8 | $ 2,080,000 | $ 260,000 | $ 162,000 |
| Saratoga County New York | 8 | $ 2,110,000 | $ 263,000 | $ 0 |
| Collin County Texas | 8 | $ 2,660,000 | $ 332,000 | $ 155,000 |
| Travis County Texas | 8 | $ 2,310,000 | $ 288,000 | $ 188,000 |
| Franklin County Kansas | 7 | $ 1,815,000 | $ 259,000 | $ 153,000 |
| Pottawatomie County Kansas | 7 | $ 1,255,000 | $ 179,000 | $ 77,000 |
| Shawnee County Kansas | 7 | $ 1,135,000 | $ 162,000 | $ 83,000 |
| Charleston County South Carolina | 7 | $ 2,125,000 | $ 303,000 | $ 138,000 |
| Denver County Colorado | 6 | $ 2,140,000 | $ 356,000 | $ 139,000 |
| Bates County Missouri | 6 | $ 880,000 | $ 146,000 | $ 91,000 |
| Greene County Missouri | 6 | $ 820,000 | $ 136,000 | $ 90,000 |
| Lafayette County Missouri | 6 | $ 1,580,000 | $ 263,000 | $ 100,000 |
| Pike County Missouri | 6 | $ 750,000 | $ 125,000 | $ 59,000 |
| Clark County Nevada | 6 | $ 1,840,000 | $ 306,000 | $ 232,000 |
| Denton County Texas | 6 | $ 1,480,000 | $ 246,000 | $ 120,000 |
| Tarrant County Texas | 6 | $ 2,070,000 | $ 345,000 | $ 151,000 |
| Milwaukee County Wisconsin | 6 | $ 1,910,000 | $ 318,000 | $ 156,000 |
| Pima County Arizona | 5 | $ 1,705,000 | $ 341,000 | $ 193,000 |
| San Diego County California | 5 | $ 3,045,000 | $ 609,000 | $ 143,000 |
| Douglas County Colorado | 5 | $ 2,035,000 | $ 407,000 | $ 144,000 |
| Summit County Colorado | 5 | $ 2,255,000 | $ 451,000 | $ 545,000 |
| Monroe County Illinois | 5 | $ 1,545,000 | $ 309,000 | $ 131,000 |
| St. Clair County Illinois | 5 | $ 665,000 | $ 133,000 | $ 65,000 |
| Coconino County Arizona | 4 | $ 1,030,000 | $ 257,000 | $ 244,000 |
| Riverside County California | 4 | $ 1,770,000 | $ 442,000 | $ 350,000 |
| Arapahoe County Colorado | 4 | $ 1,140,000 | $ 285,000 | $ 233,000 |
| El Paso County Colorado | 4 | $ 1,370,000 | $ 342,000 | $ 104,000 |
| Manatee County Florida | 4 | $ 1,340,000 | $ 335,000 | $ 98,000 |
| Orange County Florida | 4 | $ 1,420,000 | $ 355,000 | $ 278,000 |
| DuPage County Illinois | 4 | $ 1,360,000 | $ 340,000 | $ 161,000 |
| Linn County Kansas | 4 | $ 670,000 | $ 167,000 | $ 135,000 |
| Barry County Missouri | 4 | $ 980,000 | $ 245,000 | $ 171,000 |
| Caldwell County Missouri | 4 | $ 640,000 | $ 160,000 | $ 72,000 |
| Cape Girardeau County Missouri | 4 | $ 1,370,000 | $ 342,000 | $ 282,000 |
| Cole County Missouri | 4 | $ 660,000 | $ 165,000 | $ 98,000 |
| Daviess County Missouri | 4 | $ 1,640,000 | $ 410,000 | $ 201,000 |
| Jasper County Missouri | 4 | $ 700,000 | $ 175,000 | $ 71,000 |
| Ste. Genevieve County Missouri | 4 | $ 870,000 | $ 217,000 | $ 153,000 |
| Taney County Missouri | 4 | $ 830,000 | $ 207,000 | $ 176,000 |
| Wake County North Carolina | 4 | $ 1,400,000 | $ 350,000 | $ 267,000 |
| Bexar County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 274,000 |
| Harris County Texas | 4 | $ 1,070,000 | $ 267,000 | $ 161,000 |
| Loudoun County Virginia | 4 | $ 1,120,000 | $ 280,000 | $ 198,000 |
| Waukesha County Wisconsin | 4 | $ 960,000 | $ 240,000 | $ 83,000 |
| Shelby County Alabama | 3 | $ 315,000 | $ 105,000 | $ 228,000 |
| Gila County Arizona | 3 | $ 645,000 | $ 215,000 | $ 126,000 |
| Navajo County Arizona | 3 | $ 785,000 | $ 261,000 | $ 104,000 |
| Pulaski County Arkansas | 3 | $ 1,225,000 | $ 408,000 | $ 240,000 |
| Alameda County California | 3 | $ 1,905,000 | $ 635,000 | $ 232,000 |
| Napa County California | 3 | $ 1,685,000 | $ 561,000 | $ 255,000 |
| Sacramento County California | 3 | $ 1,095,000 | $ 365,000 | $ 107,000 |
| Jefferson County Colorado | 3 | $ 835,000 | $ 278,000 | $ 113,000 |
| Weld County Colorado | 3 | $ 915,000 | $ 305,000 | $ 111,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,875,000 | $ 625,000 | $ 318,000 |
| Palm Beach County Florida | 3 | $ 1,035,000 | $ 345,000 | $ 652,000 |
| St. Johns County Florida | 3 | $ 1,115,000 | $ 371,000 | $ 127,000 |
| Ada County Idaho | 3 | $ 625,000 | $ 208,000 | $ 232,000 |
| Ottawa County Michigan | 3 | $ 1,105,000 | $ 368,000 | $ 165,000 |
| Hennepin County Minnesota | 3 | $ 1,025,000 | $ 341,000 | $ 119,000 |
| Christian County Missouri | 3 | $ 985,000 | $ 328,000 | $ 81,000 |
| Henry County Missouri | 3 | $ 415,000 | $ 138,000 | $ 60,000 |
| Livingston County Missouri | 3 | $ 445,000 | $ 148,000 | $ 111,000 |
| Montgomery County Missouri | 3 | $ 535,000 | $ 178,000 | $ 60,000 |
| Cleveland County Oklahoma | 3 | $ 385,000 | $ 128,000 | $ 148,000 |
| Deschutes County Oregon | 3 | $ 995,000 | $ 331,000 | $ 75,000 |
| Davidson County Tennessee | 3 | $ 1,295,000 | $ 431,000 | $ 261,000 |
| Sumner County Tennessee | 3 | $ 695,000 | $ 231,000 | $ 74,000 |
| Montgomery County Texas | 3 | $ 735,000 | $ 245,000 | $ 142,000 |
| Randall County Texas | 3 | $ 765,000 | $ 255,000 | $ 85,000 |
| Chesterfield County Virginia | 3 | $ 1,155,000 | $ 385,000 | $ 152,000 |
| Monongalia County West Virginia | 3 | $ 635,000 | $ 211,000 | $ 67,000 |
| Outagamie County Wisconsin | 3 | $ 745,000 | $ 248,000 | $ 163,000 |
| Madison County Alabama | 2 | $ 650,000 | $ 325,000 | $ 91,000 |
| Benton County Arkansas | 2 | $ 570,000 | $ 285,000 | $ 113,000 |
| Franklin County Arkansas | 2 | $ 90,000 | $ 45,000 | $ 17,000 |
| Washington County Arkansas | 2 | $ 630,000 | $ 315,000 | $ 163,000 |
| La Plata County Colorado | 2 | $ 780,000 | $ 390,000 | $ 286,000 |
| Hartford County Connecticut | 2 | $ 340,000 | $ 170,000 | $ 81,000 |
| Bay County Florida | 2 | $ 260,000 | $ 130,000 | $ 130,000 |
| Brevard County Florida | 2 | $ 440,000 | $ 220,000 | $ 96,000 |
| Charlotte County Florida | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Hillsborough County Florida | 2 | $ 650,000 | $ 325,000 | $ 137,000 |
| Okaloosa County Florida | 2 | $ 540,000 | $ 270,000 | $ 410,000 |
| Walton County Florida | 2 | $ 870,000 | $ 435,000 | $ 313,000 |
| DeKalb County Georgia | 2 | $ 910,000 | $ 455,000 | $ 178,000 |
| Forsyth County Georgia | 2 | $ 910,000 | $ 455,000 | $ 162,000 |
| Alexander County Illinois | 2 | $ 310,000 | $ 155,000 | $ 178,000 |
| Jackson County Illinois | 2 | $ 240,000 | $ 120,000 | $ 89,000 |
| Macoupin County Illinois | 2 | $ 270,000 | $ 135,000 | $ 88,000 |
| McHenry County Illinois | 2 | $ 500,000 | $ 250,000 | $ 163,000 |
| Will County Illinois | 2 | $ 580,000 | $ 290,000 | $ 209,000 |
| Hamilton County Indiana | 2 | $ 720,000 | $ 360,000 | $ 130,000 |
| Clinton County Iowa | 2 | $ 290,000 | $ 145,000 | $ 64,000 |
| Butler County Kansas | 2 | $ 530,000 | $ 265,000 | $ 97,000 |
| Crawford County Kansas | 2 | $ 360,000 | $ 180,000 | $ 97,000 |
| Harvey County Kansas | 2 | $ 360,000 | $ 180,000 | $ 129,000 |
| Caddo County Louisiana | 2 | $ 630,000 | $ 315,000 | $ 91,000 |
| Suffolk County Massachusetts | 2 | $ 530,000 | $ 265,000 | $ 133,000 |
| Allegan County Michigan | 2 | $ 1,340,000 | $ 670,000 | $ 424,000 |
| Ingham County Michigan | 2 | $ 120,000 | $ 60,000 | $ 25,000 |
| Macomb County Michigan | 2 | $ 360,000 | $ 180,000 | $ 77,000 |
| Callaway County Missouri | 2 | $ 310,000 | $ 155,000 | $ 67,000 |
| Hickory County Missouri | 2 | $ 370,000 | $ 185,000 | $ 271,000 |
| Nodaway County Missouri | 2 | $ 170,000 | $ 85,000 | $ 113,000 |
| Pettis County Missouri | 2 | $ 360,000 | $ 180,000 | $ 139,000 |
| Pulaski County Missouri | 2 | $ 260,000 | $ 130,000 | $ 45,000 |
| Randolph County Missouri | 2 | $ 590,000 | $ 295,000 | $ 341,000 |
| Flathead County Montana | 2 | $ 1,220,000 | $ 610,000 | $ 221,000 |
| Gallatin County Montana | 2 | $ 770,000 | $ 385,000 | $ 159,000 |
| Red Willow County Nebraska | 2 | $ 500,000 | $ 250,000 | $ 113,000 |
| Sandoval County New Mexico | 2 | $ 830,000 | $ 415,000 | $ 124,000 |
| Mecklenburg County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 151,000 |
| Oklahoma County Oklahoma | 2 | $ 590,000 | $ 295,000 | $ 147,000 |
| Clackamas County Oregon | 2 | $ 1,050,000 | $ 525,000 | $ 200,000 |
| Lincoln County Oregon | 2 | $ 500,000 | $ 250,000 | $ 50,000 |
| Multnomah County Oregon | 2 | $ 670,000 | $ 335,000 | $ 100,000 |
| Sevier County Tennessee | 2 | $ 900,000 | $ 450,000 | $ 286,000 |
| Williamson County Tennessee | 2 | $ 970,000 | $ 485,000 | $ 165,000 |
| Brazoria County Texas | 2 | $ 530,000 | $ 265,000 | $ 382,000 |
| Williamson County Texas | 2 | $ 810,000 | $ 405,000 | $ 236,000 |
| Washington County Utah | 2 | $ 270,000 | $ 135,000 | $ 57,000 |
| Clarke County Virginia | 2 | $ 580,000 | $ 290,000 | $ 106,000 |
| Richmond City County Virginia | 2 | $ 310,000 | $ 155,000 | $ 119,000 |
| King County Washington | 2 | $ 300,000 | $ 150,000 | $ 91,000 |
| Winnebago County Wisconsin | 2 | $ 280,000 | $ 140,000 | $ 65,000 |
| Baldwin County Alabama | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| DeKalb County Alabama | 1 | $ 515,000 | $ 515,000 | $ 160,000 |
| St. Clair County Alabama | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Southeast Fairbanks County Alaska | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cochise County Arizona | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Baxter County Arkansas | 1 | $ 245,000 | $ 245,000 | $ 355,000 |
| Carroll County Arkansas | 1 | $ 325,000 | $ 325,000 | $ 363,000 |
| Garland County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 250,000 |
| Sebastian County Arkansas | 1 | $ 395,000 | $ 395,000 | $ 239,000 |
| Contra Costa County California | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Placer County California | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Santa Barbara County California | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Santa Clara County California | 1 | $ 485,000 | $ 485,000 | $ 505,000 |
| Sonoma County California | 1 | $ 535,000 | $ 535,000 | $ 1,042,000 |
| Adams County Colorado | 1 | $ 365,000 | $ 365,000 | $ 134,000 |
| Archuleta County Colorado | 1 | $ 285,000 | $ 285,000 | $ 240,000 |
| Boulder County Colorado | 1 | $ 205,000 | $ 205,000 | $ 736,000 |
| Clear Creek County Colorado | 1 | $ 455,000 | $ 455,000 | $ 74,000 |
| Eagle County Colorado | 1 | $ 525,000 | $ 525,000 | $ 1,170,000 |
| Garfield County Colorado | 1 | $ 395,000 | $ 395,000 | $ 214,000 |
| Grand County Colorado | 1 | $ 425,000 | $ 425,000 | $ 341,000 |
| Park County Colorado | 1 | $ 395,000 | $ 395,000 | $ 600,000 |
| Pueblo County Colorado | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Teller County Colorado | 1 | $ 465,000 | $ 465,000 | $ 276,000 |
| Tolland County Connecticut | 1 | $ 355,000 | $ 355,000 | $ 122,000 |
| Escambia County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake County Florida | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Marion County Florida | 1 | $ 475,000 | $ 475,000 | $ 180,000 |
| Martin County Florida | 1 | $ 395,000 | $ 395,000 | $ 189,000 |
| Miami-Dade County Florida | 1 | $ 515,000 | $ 515,000 | $ 275,000 |
| Osceola County Florida | 1 | $ 335,000 | $ 335,000 | $ 146,000 |
| Sarasota County Florida | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
| Sumter County Florida | 1 | $ 295,000 | $ 295,000 | $ 132,000 |
| Volusia County Florida | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Cherokee County Georgia | 1 | $ 375,000 | $ 375,000 | $ 105,000 |
| Columbia County Georgia | 1 | $ 95,000 | $ 95,000 | $ 121,000 |
| Fayette County Georgia | 1 | $ 345,000 | $ 345,000 | $ 172,000 |
| Gwinnett County Georgia | 1 | $ 325,000 | $ 325,000 | $ 197,000 |
| Rockdale County Georgia | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Spalding County Georgia | 1 | $ 435,000 | $ 435,000 | $ 165,000 |
| Kauai County Hawaii | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Bond County Illinois | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
| Jersey County Illinois | 1 | $ 215,000 | $ 215,000 | $ 99,000 |
| Kendall County Illinois | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Peoria County Illinois | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Tazewell County Illinois | 1 | $ 315,000 | $ 315,000 | $ 258,000 |
| Winnebago County Illinois | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Clark County Indiana | 1 | $ 315,000 | $ 315,000 | $ 93,000 |
| Hendricks County Indiana | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Howard County Indiana | 1 | $ 365,000 | $ 365,000 | $ 83,000 |
| Jefferson County Indiana | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Kosciusko County Indiana | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Tippecanoe County Indiana | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Guthrie County Iowa | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Johnson County Iowa | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Linn County Iowa | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Webster County Iowa | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Atchison County Kansas | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Cowley County Kansas | 1 | $ 215,000 | $ 215,000 | $ 162,000 |
| Doniphan County Kansas | 1 | $ 95,000 | $ 95,000 | $ 139,000 |
| Lyon County Kansas | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Marshall County Kansas | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| McPherson County Kansas | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Reno County Kansas | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Saline County Kansas | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Sumner County Kansas | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Bullitt County Kentucky | 1 | $ 435,000 | $ 435,000 | $ 239,000 |
| Jefferson County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Kenton County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Oldham County Kentucky | 1 | $ 435,000 | $ 435,000 | $ 107,000 |
| East Baton Rouge County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Jefferson County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Anne Arundel County Maryland | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Bristol County Massachusetts | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 145,000 | $ 145,000 | $ 178,000 |
| Worcester County Massachusetts | 1 | $ 435,000 | $ 435,000 | $ 145,000 |
| Berrien County Michigan | 1 | $ 265,000 | $ 265,000 | $ 57,000 |
| Kent County Michigan | 1 | $ 395,000 | $ 395,000 | $ 106,000 |
| Livingston County Michigan | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Manistee County Michigan | 1 | $ 475,000 | $ 475,000 | $ 240,000 |
| Menominee County Michigan | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Oakland County Michigan | 1 | $ 325,000 | $ 325,000 | $ 68,000 |
| Washtenaw County Michigan | 1 | $ 145,000 | $ 145,000 | $ 121,000 |
| Cass County Minnesota | 1 | $ 405,000 | $ 405,000 | $ 86,000 |
| Crow Wing County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 201,000 |
| Olmsted County Minnesota | 1 | $ 475,000 | $ 475,000 | $ 210,000 |
| DeSoto County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Rankin County Mississippi | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Andrew County Missouri | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Cedar County Missouri | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Dent County Missouri | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Howell County Missouri | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Madison County Missouri | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Moniteau County Missouri | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Phelps County Missouri | 1 | $ 225,000 | $ 225,000 | $ 289,000 |
| Polk County Missouri | 1 | $ 315,000 | $ 315,000 | $ 205,000 |
| Saline County Missouri | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| Scott County Missouri | 1 | $ 285,000 | $ 285,000 | $ 116,000 |
| Vernon County Missouri | 1 | $ 135,000 | $ 135,000 | $ 208,000 |
| Wayne County Missouri | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Missoula County Montana | 1 | $ 245,000 | $ 245,000 | $ 221,000 |
| Burt County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Dodge County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Lancaster County Nebraska | 1 | $ 405,000 | $ 405,000 | $ 165,000 |
| Sarpy County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Lyon County Nevada | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Rockingham County New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Bergen County New Jersey | 1 | $ 405,000 | $ 405,000 | $ 138,000 |
| Cape May County New Jersey | 1 | $ 535,000 | $ 535,000 | $ 196,000 |
| Middlesex County New Jersey | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| Eddy County New Mexico | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Los Alamos County New Mexico | 1 | $ 335,000 | $ 335,000 | $ 180,000 |
| Santa Fe County New Mexico | 1 | $ 325,000 | $ 325,000 | $ 105,000 |
| Herkimer County New York | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Warren County New York | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 303,000 |
| Cabarrus County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 128,000 |
| Carteret County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Cleveland County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Durham County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 187,000 |
| Henderson County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| New Hanover County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 49,000 |
| Clark County Ohio | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 445,000 | $ 445,000 | $ 381,000 |
| Delaware County Ohio | 1 | $ 465,000 | $ 465,000 | $ 147,000 |
| Hamilton County Ohio | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Cherokee County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Creek County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Ottawa County Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 253,000 |
| Tulsa County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| Clatsop County Oregon | 1 | $ 445,000 | $ 445,000 | $ 72,000 |
| Lane County Oregon | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Washington County Oregon | 1 | $ 435,000 | $ 435,000 | $ 226,000 |
| Adams County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 180,000 |
| Allegheny County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Berks County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Bucks County Pennsylvania | 1 | $ 515,000 | $ 515,000 | $ 201,000 |
| Beaufort County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 57,000 |
| Horry County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Pickens County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 90,000 |
| Meade County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Maury County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 218,000 |
| Shelby County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 315,000 |
| Bell County Texas | 1 | $ 505,000 | $ 505,000 | $ 282,000 |
| Brazos County Texas | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Comal County Texas | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Fort Bend County Texas | 1 | $ 195,000 | $ 195,000 | $ 177,000 |
| Hood County Texas | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Parker County Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wichita County Texas | 1 | $ 225,000 | $ 225,000 | $ 156,000 |
| Davis County Utah | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Iron County Utah | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Salt Lake County Utah | 1 | $ 395,000 | $ 395,000 | $ 60,000 |
| Weber County Utah | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Fairfax County Virginia | 1 | $ 535,000 | $ 535,000 | $ 154,000 |
| Norfolk County Virginia | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Virginia Beach County Virginia | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Washington County Virginia | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Kitsap County Washington | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Kittitas County Washington | 1 | $ 405,000 | $ 405,000 | $ 191,000 |
| Pierce County Washington | 1 | $ 1,505,000 | $ 1,505,000 | $ 475,000 |
| Spokane County Washington | 1 | $ 435,000 | $ 435,000 | $ 123,000 |
| Brown County Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 225,000 |
| Iron County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Ozaukee County Wisconsin | 1 | $ 765,000 | $ 765,000 | $ 515,000 |
| Sheboygan County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| St. Croix County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 494,000 |
| Washington County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for First State Bank Of St. Charles, Missouri in 2020
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 | 4,394 | $1,110,750,000 | $252,000 | $3,845,000 | $121,000 | $2,810,000 |
| Refinancing | 3,877 | $1,015,615,000 | $261,000 | $1,235,000 | $139,000 | $1,991,000 |
| Cash-out Refinancing | 1,128 | $280,610,000 | $248,000 | $1,605,000 | $134,000 | $1,170,000 |
| Other Purpose | 33 | $8,245,000 | $249,000 | $515,000 | $178,000 | $1,900,000 |
| Home Improvement | 21 | $4,485,000 | $213,000 | $855,000 | $127,000 | $353,000 |
| 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 | 7,874 | $2,039,290,000 | $258,000 | $3,845,000 | $131,000 | $2,810,000 |
| Not Provided | 574 | $154,270,000 | $268,000 | $1,605,000 | $141,000 | $1,184,000 |
| Hispanic | 353 | $75,285,000 | $213,000 | $535,000 | $91,000 | $617,000 |
| Asian | 225 | $61,335,000 | $272,000 | $1,005,000 | $152,000 | $848,000 |
| Black or African American | 196 | $41,690,000 | $212,000 | $515,000 | $102,000 | $519,000 |
| Not applicable | 105 | $11,755,000 | $111,000 | $335,000 | $0 | $0 |
| American Indian or Alaskan Native | 64 | $16,440,000 | $256,000 | $495,000 | $128,000 | $405,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $3,215,000 | $292,000 | $515,000 | $134,000 | $293,000 |
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) | 8,652 | $2,233,250,000 | $258,000 | $3,845,000 | $134,000 | $2,810,000 |
| FHA-insured (Federal Housing Administration) | 448 | $88,910,000 | $198,000 | $585,000 | $71,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 296 | $86,740,000 | $293,000 | $875,000 | $96,000 | $433,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $10,805,000 | $189,000 | $305,000 | $57,000 | $99,000 |
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 | 8,258 | $2,108,410,000 | $255,000 | $3,845,000 | $130,000 | $2,810,000 |
| Application Withdrawn By Applicant | 899 | $236,985,000 | $263,000 | $1,605,000 | $138,000 | $1,900,000 |
| Application Denied By Financial Institution | 181 | $42,835,000 | $236,000 | $1,115,000 | $100,000 | $652,000 |
| File Closed For Incompleteness | 73 | $20,155,000 | $276,000 | $1,015,000 | $163,000 | $525,000 |
| Application Approved But Not Accepted | 23 | $6,755,000 | $293,000 | $895,000 | $131,000 | $232,000 |
| Preapproval Approved but not Accepted | 15 | $3,605,000 | $240,000 | $445,000 | $69,000 | $121,000 |
| Preapproval Denied by Financial Institution | 4 | $960,000 | $240,000 | $355,000 | $64,000 | $84,000 |
| Loan Purchased By The 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 | 9,268 | $2,375,910,000 | $256,000 | $3,845,000 | $131,000 | $2,810,000 |
| Other | 67 | $14,565,000 | $217,000 | $675,000 | $121,000 | $652,000 |
| Debt-To-Income Ratio | 49 | $13,465,000 | $274,000 | $1,115,000 | $81,000 | $406,000 |
| Collateral | 27 | $4,815,000 | $178,000 | $425,000 | $96,000 | $225,000 |
| Credit History | 24 | $5,920,000 | $246,000 | $475,000 | $81,000 | $168,000 |
| Employment History | 9 | $1,875,000 | $208,000 | $585,000 | $73,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,845,000 | $369,000 | $655,000 | $124,000 | $188,000 |
| Unverifiable Information | 4 | $1,310,000 | $327,000 | $515,000 | $76,000 | $203,000 |
| Credit Application Incomplete | 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, Missouri's 2020 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.