Purchase Originations
1,576
Ranked #273 nationally
Median Total Costs
$3,738
−44.0% vs national ($6,680)
↑ $90 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,375
Median Lender Credits
$524
Cost Rank (500+ vol.)
#87
among lenders with 500+ originations
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,292 | 6.500% | $3,513 | $1,375 |
| fha | 176 | 6.250% | $8,474 | $1,375 |
| va | 92 | 6.188% | $4,423 | $1,300 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 1,000 | 6.500% | $3,911 | #15 |
| Kansas | 463 | 6.500% | $3,186 | #11 |
| Arizona | 22 | 6.625% | $6,286 | — |
| Illinois | 21 | 6.625% | $3,446 | — |
| Texas | 10 | 6.125% | $9,250 | — |
| Tennessee | 8 | 6.562% | $4,314 | — |
| Florida | 7 | 6.500% | $6,270 | — |
| Colorado | 5 | 6.500% | $3,286 | — |
| Virginia | 4 | 6.625% | $5,011 | — |
| Arkansas | 3 | 6.875% | $3,358 | — |
| Oklahoma | 3 | 7.250% | $5,014 | — |
| California | 2 | 6.688% | $7,985 | — |
| Georgia | 2 | 6.312% | $10,696 | — |
| Indiana | 2 | 7.188% | $3,100 | — |
| Michigan | 2 | 6.188% | $6,861 | — |
| Minnesota | 2 | 6.688% | $4,329 | — |
| North Carolina | 2 | 6.812% | $4,320 | — |
| Nebraska | 2 | 5.875% | $6,789 | — |
| Ohio | 2 | 6.188% | $4,470 | — |
| Alabama | 1 | 5.625% | $7,868 | — |
| Connecticut | 1 | 6.625% | $5,785 | — |
| Iowa | 1 | 6.625% | $3,601 | — |
| Idaho | 1 | 6.625% | $4,260 | — |
| Kentucky | 1 | 6.125% | $6,407 | — |
| Louisiana | 1 | 6.875% | $5,039 | — |
| Maryland | 1 | 6.500% | $4,560 | — |
| Montana | 1 | 6.500% | $7,712 | — |
| New Jersey | 1 | 6.375% | $6,252 | — |
| New Mexico | 1 | 7.000% | $5,447 | — |
| Oregon | 1 | 6.125% | $13,950 | — |
| South Carolina | 1 | 6.875% | $18,967 | — |
| Washington | 1 | 6.500% | $4,737 | — |
| Wisconsin | 1 | 6.125% | $3,063 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,650 | 6.500% | — | 18 | −$1,088 | |
| 2 | $3,044 | 6.500% | — | 308 | −$694 | |
| 3 | $3,072 | 6.500% | — | 23 | −$666 | |
| 4 | $3,111 | 6.625% | — | 30 | −$627 | |
| 5 | $3,144 | 6.500% | — | 217 | −$594 | |
| 6 | $3,200 | 6.250% | — | 6 | −$538 | |
| 7 | $3,239 | 6.375% | — | 47 | −$499 | |
| 8 | $3,303 | 6.375% | — | 25 | −$435 | |
| 9 | $3,353 | 6.375% | — | 84 | −$385 | |
| 10 | $3,728 | 6.375% | — | 54 | −$10 | |
| 11 | $4,011 | 6.250% | — | 41 | +$273 | |
| 12 | $4,048 | 6.375% | — | 33 | +$310 | |
| 13 | $4,052 | 6.500% | — | 174 | +$314 | |
| 14 | $4,183 | 6.500% | — | 185 | +$445 | |
| 15 | $4,203 | 6.500% | — | 41 | +$465 | |
| 16 | $4,324 | 6.625% | — | 33 | +$586 | |
| 17 | $4,355 | 6.500% | — | 34 | +$617 | |
| 18 | $4,447 | 6.375% | — | 6 | +$709 | |
| 19 | $4,491 | 6.250% | — | 17 | +$753 | |
| 20 | $6,642 | 6.625% | — | 19 | +$2,904 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First State Bank of St. Charles, Missouri | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $3,738 | $7,127 | −$3,389 (−47.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.