First State Bank Of St. Charles, Missouri
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First State Bank Of St. Charles, Missouri 2023 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 | 2,525 |
| Total Mortgage Loan Application Amount | $753,135,000 |
| Average Mortgage Loan Application Amount | $228,200 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $128,800 |
| Highest Applicant Income | $2,326,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 454 | $ 167,900,000 | $ 369,000 | $ 169,000 |
| St. Louis County Missouri | 359 | $ 91,735,000 | $ 255,000 | $ 155,000 |
| Jackson County Missouri | 326 | $ 86,250,000 | $ 264,000 | $ 138,000 |
| St. Charles County Missouri | 305 | $ 86,965,000 | $ 285,000 | $ 143,000 |
| Clay County Missouri | 117 | $ 37,615,000 | $ 321,000 | $ 136,000 |
| Wyandotte County Kansas | 88 | $ 18,690,000 | $ 212,000 | $ 90,000 |
| Camden County Missouri | 80 | $ 23,380,000 | $ 292,000 | $ 214,000 |
| Maricopa County Arizona | 73 | $ 35,335,000 | $ 484,000 | $ 213,000 |
| St. Louis City County Missouri | 67 | $ 11,835,000 | $ 176,000 | $ 113,000 |
| Lincoln County Missouri | 59 | $ 15,445,000 | $ 261,000 | $ 101,000 |
| Jefferson County Missouri | 42 | $ 10,590,000 | $ 252,000 | $ 101,000 |
| Leavenworth County Kansas | 41 | $ 11,805,000 | $ 287,000 | $ 137,000 |
| Platte County Missouri | 39 | $ 12,915,000 | $ 331,000 | $ 165,000 |
| Cass County Missouri | 37 | $ 11,725,000 | $ 316,000 | $ 123,000 |
| Warren County Missouri | 30 | $ 8,670,000 | $ 289,000 | $ 97,000 |
| Miller County Missouri | 25 | $ 7,025,000 | $ 281,000 | $ 133,000 |
| Franklin County Missouri | 21 | $ 6,795,000 | $ 323,000 | $ 109,000 |
| Douglas County Kansas | 17 | $ 4,635,000 | $ 272,000 | $ 137,000 |
| Miami County Kansas | 14 | $ 3,890,000 | $ 277,000 | $ 160,000 |
| Morgan County Missouri | 12 | $ 2,840,000 | $ 236,000 | $ 199,000 |
| Yavapai County Arizona | 6 | $ 1,240,000 | $ 206,000 | $ 143,000 |
| Phelps County Missouri | 6 | $ 730,000 | $ 121,000 | $ 116,000 |
| Cook County Illinois | 5 | $ 2,015,000 | $ 403,000 | $ 167,000 |
| Franklin County Kansas | 5 | $ 1,725,000 | $ 345,000 | $ 140,000 |
| Geary County Kansas | 5 | $ 1,135,000 | $ 227,000 | $ 93,000 |
| Pottawatomie County Kansas | 5 | $ 1,405,000 | $ 281,000 | $ 108,000 |
| Riley County Kansas | 5 | $ 1,275,000 | $ 255,000 | $ 102,000 |
| Sedgwick County Kansas | 5 | $ 1,535,000 | $ 307,000 | $ 103,000 |
| Buchanan County Missouri | 5 | $ 705,000 | $ 141,000 | $ 239,000 |
| Cape Girardeau County Missouri | 5 | $ 1,075,000 | $ 215,000 | $ 82,000 |
| Clinton County Missouri | 5 | $ 1,555,000 | $ 311,000 | $ 129,000 |
| Greene County Missouri | 5 | $ 1,185,000 | $ 237,000 | $ 99,000 |
| Johnson County Missouri | 5 | $ 1,095,000 | $ 219,000 | $ 113,000 |
| Lafayette County Missouri | 5 | $ 1,295,000 | $ 259,000 | $ 87,000 |
| Cameron County Texas | 5 | $ 1,305,000 | $ 261,000 | $ 0 |
| Lee County Florida | 4 | $ 1,980,000 | $ 495,000 | $ 369,000 |
| Okaloosa County Florida | 4 | $ 1,130,000 | $ 282,000 | $ 159,000 |
| St. Clair County Illinois | 4 | $ 1,100,000 | $ 275,000 | $ 109,000 |
| Boone County Missouri | 4 | $ 1,090,000 | $ 272,000 | $ 77,000 |
| Pulaski County Missouri | 4 | $ 750,000 | $ 187,000 | $ 74,000 |
| Ray County Missouri | 4 | $ 630,000 | $ 157,000 | $ 55,000 |
| Stone County Missouri | 4 | $ 1,440,000 | $ 360,000 | $ 229,000 |
| Jefferson County Colorado | 3 | $ 1,115,000 | $ 371,000 | $ 121,000 |
| Charlotte County Florida | 3 | $ 1,085,000 | $ 361,000 | $ 155,000 |
| Collier County Florida | 3 | $ 1,705,000 | $ 568,000 | $ 640,000 |
| Madison County Illinois | 3 | $ 195,000 | $ 65,000 | $ 62,000 |
| Monroe County Illinois | 3 | $ 915,000 | $ 305,000 | $ 230,000 |
| Jefferson County Kansas | 3 | $ 755,000 | $ 251,000 | $ 133,000 |
| Daviess County Missouri | 3 | $ 705,000 | $ 235,000 | $ 168,000 |
| Montgomery County Missouri | 3 | $ 605,000 | $ 201,000 | $ 82,000 |
| Taney County Missouri | 3 | $ 1,095,000 | $ 365,000 | $ 233,000 |
| Clark County Nevada | 3 | $ 1,155,000 | $ 385,000 | $ 206,000 |
| Tulsa County Oklahoma | 3 | $ 585,000 | $ 195,000 | $ 66,000 |
| Harris County Texas | 3 | $ 1,115,000 | $ 371,000 | $ 121,000 |
| Tarrant County Texas | 3 | $ 1,265,000 | $ 421,000 | $ 146,000 |
| Travis County Texas | 3 | $ 1,365,000 | $ 455,000 | $ 170,000 |
| Pima County Arizona | 2 | $ 450,000 | $ 225,000 | $ 304,000 |
| Pinal County Arizona | 2 | $ 790,000 | $ 395,000 | $ 144,000 |
| Benton County Arkansas | 2 | $ 720,000 | $ 360,000 | $ 203,000 |
| Carroll County Arkansas | 2 | $ 900,000 | $ 450,000 | $ 110,000 |
| San Diego County California | 2 | $ 1,380,000 | $ 690,000 | $ 245,000 |
| Larimer County Colorado | 2 | $ 1,370,000 | $ 685,000 | $ 360,000 |
| Hartford County Connecticut | 2 | $ 330,000 | $ 165,000 | $ 120,000 |
| Hillsborough County Florida | 2 | $ 540,000 | $ 270,000 | $ 148,000 |
| Orange County Florida | 2 | $ 840,000 | $ 420,000 | $ 211,000 |
| Hamilton County Indiana | 2 | $ 960,000 | $ 480,000 | $ 273,000 |
| Crawford County Kansas | 2 | $ 270,000 | $ 135,000 | $ 70,000 |
| Linn County Kansas | 2 | $ 390,000 | $ 195,000 | $ 181,000 |
| Morton County Kansas | 2 | $ 200,000 | $ 100,000 | $ 47,000 |
| Shawnee County Kansas | 2 | $ 620,000 | $ 310,000 | $ 124,000 |
| Carver County Minnesota | 2 | $ 790,000 | $ 395,000 | $ 228,000 |
| Harrison County Mississippi | 2 | $ 440,000 | $ 220,000 | $ 373,000 |
| Andrew County Missouri | 2 | $ 710,000 | $ 355,000 | $ 129,000 |
| Bates County Missouri | 2 | $ 280,000 | $ 140,000 | $ 67,000 |
| Bollinger County Missouri | 2 | $ 210,000 | $ 105,000 | $ 48,000 |
| Christian County Missouri | 2 | $ 770,000 | $ 385,000 | $ 177,000 |
| Cole County Missouri | 2 | $ 450,000 | $ 225,000 | $ 81,000 |
| Crawford County Missouri | 2 | $ 270,000 | $ 135,000 | $ 72,000 |
| Pike County Missouri | 2 | $ 520,000 | $ 260,000 | $ 99,000 |
| St. Francois County Missouri | 2 | $ 210,000 | $ 105,000 | $ 47,000 |
| Wake County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 175,000 |
| Oklahoma County Oklahoma | 2 | $ 920,000 | $ 460,000 | $ 197,000 |
| Rogers County Oklahoma | 2 | $ 350,000 | $ 175,000 | $ 67,000 |
| Collin County Texas | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Dallas County Texas | 2 | $ 700,000 | $ 350,000 | $ 211,000 |
| Williamson County Texas | 2 | $ 650,000 | $ 325,000 | $ 90,000 |
| Salt Lake County Utah | 2 | $ 870,000 | $ 435,000 | $ 309,000 |
| Rock County Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 71,000 |
| Baldwin County Alabama | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Coffee County Alabama | 1 | $ 445,000 | $ 445,000 | $ 216,000 |
| Limestone County Alabama | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Coconino County Arizona | 1 | $ 265,000 | $ 265,000 | $ 282,000 |
| Mohave County Arizona | 1 | $ 515,000 | $ 515,000 | $ 719,000 |
| Navajo County Arizona | 1 | $ 555,000 | $ 555,000 | $ 427,000 |
| Saline County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Washington County Arkansas | 1 | $ 335,000 | $ 335,000 | $ 108,000 |
| Contra Costa County California | 1 | $ 725,000 | $ 725,000 | $ 427,000 |
| Mendocino County California | 1 | $ 615,000 | $ 615,000 | $ 124,000 |
| Placer County California | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,326,000 |
| Arapahoe County Colorado | 1 | $ 325,000 | $ 325,000 | $ 79,000 |
| Denver County Colorado | 1 | $ 605,000 | $ 605,000 | $ 252,000 |
| Douglas County Colorado | 1 | $ 585,000 | $ 585,000 | $ 303,000 |
| Weld County Colorado | 1 | $ 425,000 | $ 425,000 | $ 180,000 |
| Bay County Florida | 1 | $ 385,000 | $ 385,000 | $ 155,000 |
| Escambia County Florida | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Sarasota County Florida | 1 | $ 525,000 | $ 525,000 | $ 241,000 |
| Bryan County Georgia | 1 | $ 465,000 | $ 465,000 | $ 643,000 |
| Forsyth County Georgia | 1 | $ 715,000 | $ 715,000 | $ 156,000 |
| Fulton County Georgia | 1 | $ 385,000 | $ 385,000 | $ 143,000 |
| Rockdale County Georgia | 1 | $ 625,000 | $ 625,000 | $ 176,000 |
| Ada County Idaho | 1 | $ 545,000 | $ 545,000 | $ 226,000 |
| Lake County Illinois | 1 | $ 445,000 | $ 445,000 | $ 276,000 |
| Macon County Illinois | 1 | $ 85,000 | $ 85,000 | $ 191,000 |
| Will County Illinois | 1 | $ 665,000 | $ 665,000 | $ 336,000 |
| Marion County Indiana | 1 | $ 335,000 | $ 335,000 | $ 162,000 |
| Vanderburgh County Indiana | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Hardin County Iowa | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Polk County Iowa | 1 | $ 535,000 | $ 535,000 | $ 378,000 |
| Butler County Kansas | 1 | $ 295,000 | $ 295,000 | $ 143,000 |
| Cowley County Kansas | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Osage County Kansas | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Jefferson County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 344,000 |
| Beauregard County Louisiana | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Calhoun County Michigan | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| Lake County Michigan | 1 | $ 205,000 | $ 205,000 | $ 289,000 |
| Chippewa County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Clay County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Audrain County Missouri | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Callaway County Missouri | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Cedar County Missouri | 1 | $ 155,000 | $ 155,000 | $ 142,000 |
| Dent County Missouri | 1 | $ 515,000 | $ 515,000 | $ 137,000 |
| Gasconade County Missouri | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Howell County Missouri | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Lewis County Missouri | 1 | $ 345,000 | $ 345,000 | $ 117,000 |
| Linn County Missouri | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Moniteau County Missouri | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Newton County Missouri | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Perry County Missouri | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Saline County Missouri | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Shelby County Missouri | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Ste. Genevieve County Missouri | 1 | $ 285,000 | $ 285,000 | $ 40,000 |
| Texas County Missouri | 1 | $ 245,000 | $ 245,000 | $ 161,000 |
| Vernon County Missouri | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Douglas County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Nemaha County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 103,000 |
| Otoe County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 111,000 |
| Sarpy County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 133,000 |
| Saunders County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 213,000 |
| Middlesex County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 195,000 |
| Lincoln County New Mexico | 1 | $ 375,000 | $ 375,000 | $ 138,000 |
| Monroe County New York | 1 | $ 485,000 | $ 485,000 | $ 369,000 |
| Richmond County New York | 1 | $ 705,000 | $ 705,000 | $ 249,000 |
| Sullivan County New York | 1 | $ 315,000 | $ 315,000 | $ 547,000 |
| Durham County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 182,000 |
| Gaston County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Haywood County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 183,000 |
| Mecklenburg County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Person County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 101,000 |
| Cuyahoga County Ohio | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Stark County Ohio | 1 | $ 355,000 | $ 355,000 | $ 114,000 |
| Wood County Ohio | 1 | $ 95,000 | $ 95,000 | $ 187,000 |
| Cleveland County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Jackson County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Lincoln County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| McIntosh County Oklahoma | 1 | $ 715,000 | $ 715,000 | $ 149,000 |
| Osage County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 104,000 |
| Pittsburg County Oklahoma | 1 | $ 725,000 | $ 725,000 | $ 834,000 |
| Jackson County Oregon | 1 | $ 645,000 | $ 645,000 | $ 215,000 |
| Allegheny County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Bucks County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 195,000 |
| Anderson County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 299,000 |
| Charleston County South Carolina | 1 | $ 605,000 | $ 605,000 | $ 362,000 |
| Greenville County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Lexington County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Meade County South Dakota | 1 | $ 445,000 | $ 445,000 | $ 238,000 |
| Cheatham County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 188,000 |
| Coffee County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 107,000 |
| Davidson County Tennessee | 1 | $ 505,000 | $ 505,000 | $ 188,000 |
| Dickson County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 128,000 |
| Sumner County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Williamson County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 178,000 |
| Anderson County Texas | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Brazos County Texas | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Galveston County Texas | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Hays County Texas | 1 | $ 645,000 | $ 645,000 | $ 617,000 |
| Smith County Texas | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Davis County Utah | 1 | $ 185,000 | $ 185,000 | $ 166,000 |
| Kane County Utah | 1 | $ 195,000 | $ 195,000 | $ 235,000 |
| Fairfax County Virginia | 1 | $ 425,000 | $ 425,000 | $ 258,000 |
| Norfolk County Virginia | 1 | $ 195,000 | $ 195,000 | $ 342,000 |
| Franklin County Washington | 1 | $ 215,000 | $ 215,000 | $ 323,000 |
| Thurston County Washington | 1 | $ 385,000 | $ 385,000 | $ 190,000 |
| Dane County Wisconsin | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Kenosha County Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 123,000 |
| Fremont County Wyoming | 1 | $ 225,000 | $ 225,000 | $ 123,000 |
| Natrona County Wyoming | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for First State Bank Of St. Charles, Missouri in 2023
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 | 2,229 | $682,685,000 | $306,000 | $1,875,000 | $154,000 | $2,326,000 |
| Cash-out Refinancing | 168 | $42,820,000 | $254,000 | $1,115,000 | $130,000 | $1,260,000 |
| Refinancing | 96 | $22,010,000 | $229,000 | $895,000 | $118,000 | $596,000 |
| Other Purpose | 18 | $3,100,000 | $172,000 | $445,000 | $108,000 | $396,000 |
| Home Improvement | 14 | $2,520,000 | $180,000 | $725,000 | $134,000 | $400,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,758 | $544,510,000 | $309,000 | $1,875,000 | $154,000 | $2,326,000 |
| Asian | 188 | $58,860,000 | $313,000 | $1,155,000 | $169,000 | $820,000 |
| Hispanic | 173 | $49,475,000 | $285,000 | $1,705,000 | $117,000 | $656,000 |
| Not Provided | 168 | $50,520,000 | $300,000 | $725,000 | $162,000 | $820,000 |
| Not applicable | 148 | $24,950,000 | $168,000 | $505,000 | $0 | $0 |
| Black or African American | 67 | $18,315,000 | $273,000 | $695,000 | $116,000 | $397,000 |
| American Indian or Alaskan Native | 19 | $5,625,000 | $296,000 | $585,000 | $100,000 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,172 | $653,890,000 | $301,000 | $1,875,000 | $160,000 | $2,326,000 |
| FHA-insured (Federal Housing Administration) | 245 | $62,725,000 | $256,000 | $505,000 | $92,000 | $493,000 |
| VA-guaranteed (Veterans Administration) | 100 | $34,830,000 | $348,000 | $1,235,000 | $117,000 | $378,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,690,000 | $211,000 | $325,000 | $70,000 | $91,000 |
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 | 1,976 | $585,900,000 | $296,000 | $1,505,000 | $151,000 | $2,326,000 |
| Application Withdrawn By Applicant | 460 | $141,740,000 | $308,000 | $1,875,000 | $157,000 | $2,043,000 |
| Application Denied By Financial Institution | 59 | $16,625,000 | $281,000 | $1,305,000 | $112,000 | $547,000 |
| Application Approved But Not Accepted | 19 | $5,625,000 | $296,000 | $655,000 | $142,000 | $354,000 |
| File Closed For Incompleteness | 11 | $3,245,000 | $295,000 | $725,000 | $140,000 | $373,000 |
| 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 | 2,466 | $736,510,000 | $298,000 | $1,875,000 | $152,000 | $2,326,000 |
| Debt-To-Income Ratio | 24 | $8,730,000 | $363,000 | $1,305,000 | $107,000 | $260,000 |
| Collateral | 16 | $2,910,000 | $181,000 | $425,000 | $161,000 | $547,000 |
| Other | 7 | $1,635,000 | $233,000 | $725,000 | $70,000 | $165,000 |
| Credit History | 6 | $1,920,000 | $320,000 | $665,000 | $112,000 | $205,000 |
| Employment History | 3 | $725,000 | $241,000 | $345,000 | $38,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $220,000 | $110,000 | $155,000 | $57,000 | $57,000 |
| Unverifiable Information | 1 | $485,000 | $485,000 | $485,000 | $67,000 | $67,000 |
| 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 2023 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.