First State Bank of St. Charles, Missouri closing costs and rates (2024)
In 2024, First State Bank of St. Charles, Missouri originated 1,520 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,648. That ranks #274 nationally by origination volume. For total closing costs among lenders with 500+ originations, First State Bank of St. Charles, Missouri ranks #88. That is $3,093 below the national median of $6,741. First State Bank of St. Charles, Missouri is most active in Missouri with 965 originations there.
Purchase Originations
1,520
Ranked #274 nationally
Median Total Costs
$3,648
−45.9% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,375
Median Lender Credits
$525
Cost Rank (500+ vol.)
#88
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,245 | 6.625% | $3,477 | $1,375 |
| fha | 183 | 6.375% | $8,359 | $1,375 |
| va | 78 | 6.250% | $5,944 | $1,300 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 965 | 6.625% | $3,749 | #14 |
| Kansas | 427 | 6.625% | $3,118 | #11 |
| Arizona | 25 | 6.625% | $5,525 | — |
| Illinois | 23 | 6.625% | $3,575 | — |
| Florida | 14 | 6.500% | $4,942 | — |
| Colorado | 13 | 6.625% | $3,446 | — |
| Texas | 11 | 6.625% | $6,155 | — |
| Indiana | 4 | 6.688% | $3,140 | — |
| California | 3 | 6.875% | $8,720 | — |
| Georgia | 3 | 6.875% | $4,812 | — |
| Minnesota | 3 | 6.500% | $3,364 | — |
| New York | 3 | 6.625% | $6,848 | — |
| Oklahoma | 3 | 6.500% | $5,490 | — |
| Iowa | 2 | 6.625% | $4,851 | — |
| Massachusetts | 2 | 6.312% | $4,733 | — |
| South Carolina | 2 | 6.312% | $4,992 | — |
| Virginia | 2 | 6.938% | $10,176 | — |
| Washington | 2 | 7.000% | $6,106 | — |
| Wyoming | 2 | 6.500% | $4,858 | — |
| Arkansas | 1 | 6.500% | $3,548 | — |
| Connecticut | 1 | 6.500% | $5,760 | — |
| Kentucky | 1 | 6.875% | $4,296 | — |
| Louisiana | 1 | 6.625% | $4,163 | — |
| North Carolina | 1 | 6.625% | $3,112 | — |
| Nebraska | 1 | 6.500% | $2,840 | — |
| New Mexico | 1 | 7.250% | $4,195 | — |
| Ohio | 1 | 7.125% | $3,766 | — |
| Tennessee | 1 | 6.500% | $5,023 | — |
| Utah | 1 | 7.125% | $4,395 | — |
| Wisconsin | 1 | 5.875% | $3,496 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,740 | 6.500% | — | 10 | −$908 | |
| 2 | $2,943 | 6.625% | — | 7 | −$705 | |
| 3 | $2,991 | 6.375% | — | 31 | −$657 | |
| 4 | $3,029 | 6.625% | — | 280 | −$619 | |
| 5 | $3,098 | 6.438% | — | 14 | −$550 | |
| 6 | $3,109 | 6.500% | — | 229 | −$539 | |
| 7 | $3,416 | 6.500% | — | 48 | −$232 | |
| 8 | $3,428 | 6.500% | — | 83 | −$220 | |
| 9 | $3,520 | 6.625% | — | 5 | −$128 | |
| 10 | $3,525 | 6.625% | — | 28 | −$123 | |
| 11 | $3,863 | 6.625% | — | 35 | +$215 | |
| 12 | $3,875 | 6.750% | — | 34 | +$227 | |
| 13 | $3,917 | 6.625% | — | 177 | +$269 | |
| 14 | $3,919 | 6.625% | — | 159 | +$271 | |
| 15 | $4,037 | 6.625% | — | 45 | +$389 | |
| 16 | $4,046 | 6.500% | — | 56 | +$398 | |
| 17 | $4,056 | 6.375% | — | 45 | +$408 | |
| 18 | $4,244 | 6.500% | — | 22 | +$596 | |
| 19 | $5,222 | 6.625% | — | 13 | +$1,574 | |
| 20 | $5,525 | 6.750% | — | 21 | +$1,877 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.