First State Bank Of St. Charles, Missouri
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First State Bank Of St. Charles, Missouri 2022 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 | 3,509 |
| Total Mortgage Loan Application Amount | $1,076,145,000 |
| Average Mortgage Loan Application Amount | $276,000 |
| Highest Mortgage Loan Application Amount | $2,475,000 |
| Average Applicant Income | $147,800 |
| Highest Applicant Income | $2,272,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 692 | $ 257,190,000 | $ 371,000 | $ 156,000 |
| Jackson County Missouri | 511 | $ 138,485,000 | $ 271,000 | $ 126,000 |
| St. Louis County Missouri | 461 | $ 124,645,000 | $ 270,000 | $ 140,000 |
| St. Charles County Missouri | 358 | $ 98,390,000 | $ 274,000 | $ 114,000 |
| Clay County Missouri | 175 | $ 48,385,000 | $ 276,000 | $ 118,000 |
| Maricopa County Arizona | 114 | $ 53,800,000 | $ 471,000 | $ 172,000 |
| Camden County Missouri | 114 | $ 34,170,000 | $ 299,000 | $ 183,000 |
| St. Louis City County Missouri | 88 | $ 21,140,000 | $ 240,000 | $ 148,000 |
| Wyandotte County Kansas | 85 | $ 18,205,000 | $ 214,000 | $ 87,000 |
| Platte County Missouri | 83 | $ 28,395,000 | $ 342,000 | $ 133,000 |
| Cass County Missouri | 73 | $ 23,855,000 | $ 326,000 | $ 120,000 |
| Leavenworth County Kansas | 72 | $ 21,960,000 | $ 305,000 | $ 120,000 |
| Jefferson County Missouri | 66 | $ 16,620,000 | $ 251,000 | $ 91,000 |
| Lincoln County Missouri | 56 | $ 14,590,000 | $ 260,000 | $ 87,000 |
| Miller County Missouri | 29 | $ 6,665,000 | $ 229,000 | $ 108,000 |
| Warren County Missouri | 23 | $ 9,945,000 | $ 432,000 | $ 131,000 |
| Douglas County Kansas | 20 | $ 5,180,000 | $ 259,000 | $ 146,000 |
| Franklin County Missouri | 13 | $ 3,625,000 | $ 278,000 | $ 105,000 |
| Miami County Kansas | 12 | $ 4,060,000 | $ 338,000 | $ 198,000 |
| Morgan County Missouri | 12 | $ 3,460,000 | $ 288,000 | $ 229,000 |
| Madison County Illinois | 9 | $ 2,625,000 | $ 291,000 | $ 109,000 |
| Buchanan County Missouri | 9 | $ 765,000 | $ 85,000 | $ 184,000 |
| Riley County Kansas | 8 | $ 1,470,000 | $ 183,000 | $ 167,000 |
| Johnson County Missouri | 8 | $ 2,420,000 | $ 302,000 | $ 107,000 |
| Broward County Florida | 7 | $ 2,795,000 | $ 399,000 | $ 352,000 |
| Pinellas County Florida | 7 | $ 2,195,000 | $ 313,000 | $ 108,000 |
| St. Clair County Illinois | 7 | $ 1,825,000 | $ 260,000 | $ 136,000 |
| Pinal County Arizona | 6 | $ 1,230,000 | $ 205,000 | $ 73,000 |
| Franklin County Kansas | 6 | $ 1,060,000 | $ 176,000 | $ 50,000 |
| Jefferson County Kansas | 6 | $ 1,340,000 | $ 223,000 | $ 74,000 |
| Sedgwick County Kansas | 6 | $ 1,860,000 | $ 310,000 | $ 137,000 |
| Ray County Missouri | 6 | $ 1,490,000 | $ 248,000 | $ 88,000 |
| Stone County Missouri | 6 | $ 1,300,000 | $ 216,000 | $ 190,000 |
| Pima County Arizona | 5 | $ 2,495,000 | $ 499,000 | $ 242,000 |
| Lee County Florida | 5 | $ 1,955,000 | $ 391,000 | $ 237,000 |
| Cook County Illinois | 5 | $ 1,425,000 | $ 285,000 | $ 364,000 |
| Clark County Nevada | 5 | $ 1,535,000 | $ 307,000 | $ 168,000 |
| Delaware County Oklahoma | 5 | $ 1,145,000 | $ 229,000 | $ 186,000 |
| Navajo County Arizona | 4 | $ 1,510,000 | $ 377,000 | $ 234,000 |
| San Bernardino County California | 4 | $ 1,150,000 | $ 287,000 | $ 181,000 |
| Larimer County Colorado | 4 | $ 2,130,000 | $ 532,000 | $ 373,000 |
| Monroe County Illinois | 4 | $ 890,000 | $ 222,000 | $ 164,000 |
| Genesee County Michigan | 4 | $ 820,000 | $ 205,000 | $ 111,000 |
| Clinton County Missouri | 4 | $ 940,000 | $ 235,000 | $ 62,000 |
| Laclede County Missouri | 4 | $ 1,250,000 | $ 312,000 | $ 130,000 |
| Phelps County Missouri | 4 | $ 630,000 | $ 157,000 | $ 123,000 |
| Bexar County Texas | 4 | $ 1,900,000 | $ 475,000 | $ 259,000 |
| Denton County Texas | 4 | $ 2,010,000 | $ 502,000 | $ 187,000 |
| Tarrant County Texas | 4 | $ 2,030,000 | $ 507,000 | $ 172,000 |
| Travis County Texas | 4 | $ 1,920,000 | $ 480,000 | $ 409,000 |
| El Paso County Colorado | 3 | $ 995,000 | $ 331,000 | $ 261,000 |
| Jefferson County Colorado | 3 | $ 1,375,000 | $ 458,000 | $ 116,000 |
| Hillsborough County Florida | 3 | $ 1,015,000 | $ 338,000 | $ 223,000 |
| Orange County Florida | 3 | $ 1,255,000 | $ 418,000 | $ 389,000 |
| Williamson County Illinois | 3 | $ 1,165,000 | $ 388,000 | $ 316,000 |
| Marion County Indiana | 3 | $ 545,000 | $ 181,000 | $ 81,000 |
| Geary County Kansas | 3 | $ 695,000 | $ 231,000 | $ 95,000 |
| Shawnee County Kansas | 3 | $ 585,000 | $ 195,000 | $ 67,000 |
| Benton County Missouri | 3 | $ 315,000 | $ 105,000 | $ 74,000 |
| Cole County Missouri | 3 | $ 895,000 | $ 298,000 | $ 122,000 |
| Jasper County Missouri | 3 | $ 745,000 | $ 248,000 | $ 205,000 |
| Ralls County Missouri | 3 | $ 715,000 | $ 238,000 | $ 112,000 |
| Santa Fe County New Mexico | 3 | $ 2,075,000 | $ 691,000 | $ 270,000 |
| Mecklenburg County North Carolina | 3 | $ 1,195,000 | $ 398,000 | $ 193,000 |
| Collin County Texas | 3 | $ 965,000 | $ 321,000 | $ 278,000 |
| Dallas County Texas | 3 | $ 1,785,000 | $ 595,000 | $ 397,000 |
| Lubbock County Texas | 3 | $ 855,000 | $ 285,000 | $ 144,000 |
| Montgomery County Alabama | 2 | $ 620,000 | $ 310,000 | $ 77,000 |
| Yavapai County Arizona | 2 | $ 1,470,000 | $ 735,000 | $ 183,000 |
| Pulaski County Arkansas | 2 | $ 350,000 | $ 175,000 | $ 199,000 |
| Fresno County California | 2 | $ 1,010,000 | $ 505,000 | $ 130,000 |
| Riverside County California | 2 | $ 1,120,000 | $ 560,000 | $ 205,000 |
| Santa Barbara County California | 2 | $ 1,680,000 | $ 840,000 | $ 293,000 |
| Eagle County Colorado | 2 | $ 840,000 | $ 420,000 | $ 193,000 |
| Charlotte County Florida | 2 | $ 290,000 | $ 145,000 | $ 69,000 |
| Duval County Florida | 2 | $ 510,000 | $ 255,000 | $ 108,000 |
| Lake County Florida | 2 | $ 670,000 | $ 335,000 | $ 139,000 |
| Okaloosa County Florida | 2 | $ 760,000 | $ 380,000 | $ 137,000 |
| Palm Beach County Florida | 2 | $ 1,150,000 | $ 575,000 | $ 240,000 |
| Santa Rosa County Florida | 2 | $ 390,000 | $ 195,000 | $ 83,000 |
| Sarasota County Florida | 2 | $ 990,000 | $ 495,000 | $ 208,000 |
| Chatham County Georgia | 2 | $ 460,000 | $ 230,000 | $ 82,000 |
| Forsyth County Georgia | 2 | $ 1,580,000 | $ 790,000 | $ 477,000 |
| Rabun County Georgia | 2 | $ 210,000 | $ 105,000 | $ 315,000 |
| Ada County Idaho | 2 | $ 950,000 | $ 475,000 | $ 140,000 |
| Bond County Illinois | 2 | $ 420,000 | $ 210,000 | $ 213,000 |
| Jersey County Illinois | 2 | $ 490,000 | $ 245,000 | $ 201,000 |
| Crawford County Kansas | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
| Pottawatomie County Kansas | 2 | $ 430,000 | $ 215,000 | $ 111,000 |
| Wabaunsee County Kansas | 2 | $ 590,000 | $ 295,000 | $ 134,000 |
| Ramsey County Minnesota | 2 | $ 1,230,000 | $ 615,000 | $ 284,000 |
| Adair County Missouri | 2 | $ 370,000 | $ 185,000 | $ 46,000 |
| Butler County Missouri | 2 | $ 240,000 | $ 120,000 | $ 70,000 |
| Caldwell County Missouri | 2 | $ 620,000 | $ 310,000 | $ 190,000 |
| Cape Girardeau County Missouri | 2 | $ 410,000 | $ 205,000 | $ 59,000 |
| Dallas County Missouri | 2 | $ 490,000 | $ 245,000 | $ 104,000 |
| Gasconade County Missouri | 2 | $ 230,000 | $ 115,000 | $ 39,000 |
| Hickory County Missouri | 2 | $ 370,000 | $ 185,000 | $ 53,000 |
| Lafayette County Missouri | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Marion County Missouri | 2 | $ 240,000 | $ 120,000 | $ 135,000 |
| Montgomery County Missouri | 2 | $ 210,000 | $ 105,000 | $ 115,000 |
| Perry County Missouri | 2 | $ 410,000 | $ 205,000 | $ 87,000 |
| Pike County Missouri | 2 | $ 190,000 | $ 95,000 | $ 40,000 |
| Taney County Missouri | 2 | $ 320,000 | $ 160,000 | $ 130,000 |
| Vernon County Missouri | 2 | $ 280,000 | $ 140,000 | $ 69,000 |
| Washington County Missouri | 2 | $ 370,000 | $ 185,000 | $ 204,000 |
| Webster County Missouri | 2 | $ 190,000 | $ 95,000 | $ 35,000 |
| Platte County Nebraska | 2 | $ 540,000 | $ 270,000 | $ 212,000 |
| Middlesex County New Jersey | 2 | $ 940,000 | $ 470,000 | $ 163,000 |
| Dona Ana County New Mexico | 2 | $ 1,060,000 | $ 530,000 | $ 183,000 |
| Haywood County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 121,000 |
| Oklahoma County Oklahoma | 2 | $ 380,000 | $ 190,000 | $ 228,000 |
| Tulsa County Oklahoma | 2 | $ 610,000 | $ 305,000 | $ 101,000 |
| Bowie County Texas | 2 | $ 330,000 | $ 165,000 | $ 62,000 |
| Harris County Texas | 2 | $ 450,000 | $ 225,000 | $ 83,000 |
| Williamson County Texas | 2 | $ 1,120,000 | $ 560,000 | $ 198,000 |
| Chesapeake County Virginia | 2 | $ 810,000 | $ 405,000 | $ 113,000 |
| King County Washington | 2 | $ 1,270,000 | $ 635,000 | $ 196,000 |
| Baldwin County Alabama | 1 | $ 265,000 | $ 265,000 | $ 161,000 |
| Blount County Alabama | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Lauderdale County Alabama | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| Madison County Alabama | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Coconino County Arizona | 1 | $ 475,000 | $ 475,000 | $ 109,000 |
| Gila County Arizona | 1 | $ 465,000 | $ 465,000 | $ 779,000 |
| Santa Cruz County Arizona | 1 | $ 175,000 | $ 175,000 | $ 221,000 |
| Baxter County Arkansas | 1 | $ 645,000 | $ 645,000 | $ 196,000 |
| Benton County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Carroll County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 142,000 |
| Clay County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Johnson County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Washington County Arkansas | 1 | $ 245,000 | $ 245,000 | $ 186,000 |
| Kern County California | 1 | $ 275,000 | $ 275,000 | $ 56,000 |
| Marin County California | 1 | $ 685,000 | $ 685,000 | $ 183,000 |
| Monterey County California | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Plumas County California | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Sacramento County California | 1 | $ 435,000 | $ 435,000 | $ 234,000 |
| San Diego County California | 1 | $ 605,000 | $ 605,000 | $ 229,000 |
| San Luis Obispo County California | 1 | $ 555,000 | $ 555,000 | $ 656,000 |
| Adams County Colorado | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Denver County Colorado | 1 | $ 465,000 | $ 465,000 | $ 163,000 |
| Douglas County Colorado | 1 | $ 535,000 | $ 535,000 | $ 121,000 |
| Weld County Colorado | 1 | $ 415,000 | $ 415,000 | $ 79,000 |
| New Haven County Connecticut | 1 | $ 275,000 | $ 275,000 | $ 154,000 |
| Kent County Delaware | 1 | $ 415,000 | $ 415,000 | $ 82,000 |
| Collier County Florida | 1 | $ 645,000 | $ 645,000 | $ 311,000 |
| Hendry County Florida | 1 | $ 285,000 | $ 285,000 | $ 122,000 |
| Marion County Florida | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Martin County Florida | 1 | $ 365,000 | $ 365,000 | $ 62,000 |
| Miami-Dade County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 351,000 |
| Osceola County Florida | 1 | $ 455,000 | $ 455,000 | $ 104,000 |
| Pasco County Florida | 1 | $ 345,000 | $ 345,000 | $ 140,000 |
| Sumter County Florida | 1 | $ 255,000 | $ 255,000 | $ 55,000 |
| Cherokee County Georgia | 1 | $ 645,000 | $ 645,000 | $ 145,000 |
| Cobb County Georgia | 1 | $ 505,000 | $ 505,000 | $ 125,000 |
| Hall County Georgia | 1 | $ 395,000 | $ 395,000 | $ 108,000 |
| Toombs County Georgia | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Honolulu County Hawaii | 1 | $ 125,000 | $ 125,000 | $ 325,000 |
| Calhoun County Illinois | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Hancock County Illinois | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| LaSalle County Illinois | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Will County Illinois | 1 | $ 255,000 | $ 255,000 | $ 201,000 |
| Grant County Indiana | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| Dallas County Iowa | 1 | $ 145,000 | $ 145,000 | $ 202,000 |
| Johnson County Iowa | 1 | $ 375,000 | $ 375,000 | $ 104,000 |
| Pottawattamie County Iowa | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Scott County Iowa | 1 | $ 395,000 | $ 395,000 | $ 168,000 |
| Anderson County Kansas | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Atchison County Kansas | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Chase County Kansas | 1 | $ 335,000 | $ 335,000 | $ 336,000 |
| Clay County Kansas | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Finney County Kansas | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| Harvey County Kansas | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Jackson County Kansas | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Linn County Kansas | 1 | $ 395,000 | $ 395,000 | $ 220,000 |
| Mitchell County Kansas | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Nemaha County Kansas | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Fayette County Kentucky | 1 | $ 375,000 | $ 375,000 | $ 195,000 |
| St. Tammany County Louisiana | 1 | $ 455,000 | $ 455,000 | $ 140,000 |
| Prince George's County Maryland | 1 | $ 345,000 | $ 345,000 | $ 126,000 |
| Middlesex County Massachusetts | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Berrien County Michigan | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Grand Traverse County Michigan | 1 | $ 645,000 | $ 645,000 | $ 240,000 |
| Kent County Michigan | 1 | $ 505,000 | $ 505,000 | $ 273,000 |
| Cass County Minnesota | 1 | $ 645,000 | $ 645,000 | $ 467,000 |
| Olmsted County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Scott County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Audrain County Missouri | 1 | $ 215,000 | $ 215,000 | $ 122,000 |
| Boone County Missouri | 1 | $ 115,000 | $ 115,000 | $ 267,000 |
| Callaway County Missouri | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Cedar County Missouri | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Chariton County Missouri | 1 | $ 65,000 | $ 65,000 | $ 450,000 |
| Christian County Missouri | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Crawford County Missouri | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Daviess County Missouri | 1 | $ 605,000 | $ 605,000 | $ 220,000 |
| Greene County Missouri | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Henry County Missouri | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Linn County Missouri | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Livingston County Missouri | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| New Madrid County Missouri | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Newton County Missouri | 1 | $ 545,000 | $ 545,000 | $ 155,000 |
| Pulaski County Missouri | 1 | $ 185,000 | $ 185,000 | $ 33,000 |
| Shannon County Missouri | 1 | $ 605,000 | $ 605,000 | $ 538,000 |
| St. Francois County Missouri | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Texas County Missouri | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Buffalo County Nebraska | 1 | $ 385,000 | $ 385,000 | $ 223,000 |
| Douglas County Nebraska | 1 | $ 215,000 | $ 215,000 | $ 627,000 |
| Hall County Nebraska | 1 | $ 355,000 | $ 355,000 | $ 275,000 |
| Washoe County Nevada | 1 | $ 375,000 | $ 375,000 | $ 368,000 |
| Ocean County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 890,000 |
| Albany County New York | 1 | $ 225,000 | $ 225,000 | $ 160,000 |
| Kings County New York | 1 | $ 1,565,000 | $ 1,565,000 | $ 684,000 |
| New York County New York | 1 | $ 435,000 | $ 435,000 | $ 193,000 |
| Carteret County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 66,000 |
| Craven County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Iredell County North Carolina | 1 | $ 1,305,000 | $ 1,305,000 | $ 445,000 |
| Butler County Ohio | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Cuyahoga County Ohio | 1 | $ 355,000 | $ 355,000 | $ 264,000 |
| Summit County Ohio | 1 | $ 445,000 | $ 445,000 | $ 165,000 |
| Rogers County Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 208,000 |
| Wagoner County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Lincoln County Oregon | 1 | $ 645,000 | $ 645,000 | $ 335,000 |
| Polk County Oregon | 1 | $ 445,000 | $ 445,000 | $ 146,000 |
| Allegheny County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 185,000 |
| Chester County Pennsylvania | 1 | $ 605,000 | $ 605,000 | $ 216,000 |
| Aiken County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Beaufort County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Charleston County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Georgetown County South Carolina | 1 | $ 435,000 | $ 435,000 | $ 300,000 |
| Cheatham County Tennessee | 1 | $ 635,000 | $ 635,000 | $ 185,000 |
| Davidson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 216,000 |
| Jefferson County Tennessee | 1 | $ 645,000 | $ 645,000 | $ 195,000 |
| Knox County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Robertson County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Sevier County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 146,000 |
| Sumner County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 46,000 |
| White County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Brazoria County Texas | 1 | $ 545,000 | $ 545,000 | $ 230,000 |
| Comal County Texas | 1 | $ 985,000 | $ 985,000 | $ 245,000 |
| Hidalgo County Texas | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Johnson County Texas | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Parker County Texas | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Van Zandt County Texas | 1 | $ 365,000 | $ 365,000 | $ 89,000 |
| Salt Lake County Utah | 1 | $ 595,000 | $ 595,000 | $ 265,000 |
| Chesterfield County Virginia | 1 | $ 295,000 | $ 295,000 | $ 60,000 |
| Page County Virginia | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Rockingham County Virginia | 1 | $ 355,000 | $ 355,000 | $ 164,000 |
| Virginia Beach County Virginia | 1 | $ 425,000 | $ 425,000 | $ 378,000 |
| Monongalia County West Virginia | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Morgan County West Virginia | 1 | $ 275,000 | $ 275,000 | $ 149,000 |
| Buffalo County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 200,000 |
| Manitowoc County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Ozaukee County Wisconsin | 1 | $ 595,000 | $ 595,000 | $ 212,000 |
| Fremont County Wyoming | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for First State Bank Of St. Charles, Missouri in 2022
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 | 2,873 | $901,925,000 | $313,000 | $1,985,000 | $141,000 | $2,272,000 |
| Cash-out Refinancing | 329 | $95,045,000 | $288,000 | $2,475,000 | $128,000 | $753,000 |
| Refinancing | 242 | $61,660,000 | $254,000 | $2,165,000 | $135,000 | $804,000 |
| Other Purpose | 36 | $11,610,000 | $322,000 | $2,205,000 | $184,000 | $1,499,000 |
| Home Improvement | 29 | $5,905,000 | $203,000 | $925,000 | $151,000 | $615,000 |
| 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 | 2,637 | $835,085,000 | $316,000 | $2,475,000 | $141,000 | $2,272,000 |
| Asian | 220 | $73,280,000 | $333,000 | $1,165,000 | $160,000 | $823,000 |
| Not Provided | 214 | $66,990,000 | $313,000 | $1,565,000 | $158,000 | $1,128,000 |
| Hispanic | 172 | $42,550,000 | $247,000 | $1,005,000 | $97,000 | $621,000 |
| Not applicable | 137 | $23,505,000 | $171,000 | $805,000 | $0 | $0 |
| Black or African American | 97 | $24,895,000 | $256,000 | $775,000 | $99,000 | $600,000 |
| American Indian or Alaskan Native | 17 | $5,285,000 | $310,000 | $925,000 | $166,000 | $635,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,230,000 | $307,000 | $495,000 | $117,000 | $187,000 |
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) | 3,134 | $976,010,000 | $311,000 | $2,475,000 | $146,000 | $2,272,000 |
| FHA-insured (Federal Housing Administration) | 244 | $55,050,000 | $225,000 | $555,000 | $83,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 115 | $41,485,000 | $360,000 | $1,135,000 | $104,000 | $378,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $3,600,000 | $225,000 | $355,000 | $73,000 | $98,000 |
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 | 2,812 | $858,190,000 | $305,000 | $2,475,000 | $138,000 | $1,598,000 |
| Application Withdrawn By Applicant | 531 | $165,025,000 | $310,000 | $2,205,000 | $152,000 | $2,272,000 |
| Application Denied By Financial Institution | 83 | $25,445,000 | $306,000 | $2,165,000 | $113,000 | $673,000 |
| File Closed For Incompleteness | 55 | $20,065,000 | $364,000 | $1,365,000 | $177,000 | $1,775,000 |
| Application Approved But Not Accepted | 28 | $7,420,000 | $265,000 | $525,000 | $131,000 | $439,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,426 | $1,050,700,000 | $306,000 | $2,475,000 | $141,000 | $2,272,000 |
| Credit History | 26 | $5,680,000 | $218,000 | $595,000 | $77,000 | $195,000 |
| Debt-To-Income Ratio | 26 | $10,290,000 | $395,000 | $2,165,000 | $101,000 | $424,000 |
| Collateral | 16 | $3,350,000 | $209,000 | $435,000 | $181,000 | $673,000 |
| Other | 6 | $3,180,000 | $530,000 | $1,925,000 | $180,000 | $424,000 |
| Employment History | 4 | $990,000 | $247,000 | $355,000 | $74,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,045,000 | $348,000 | $425,000 | $96,000 | $135,000 |
| Unverifiable Information | 2 | $910,000 | $455,000 | $645,000 | $89,000 | $118,000 |
| 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 2022 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.