First State Bank of St. Charles, Missouri
2,391 mortgages originated in 2025 across 2 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,391
- Median rate
- 6.500%
- Median lender fees
- $3,573
- Median loan amount
- $295,000
- Median spread over APOR
- 0.097
- Paid discount points
- 14.2%
- Received lender credits
- 17.9%
- Purchases / refinances
- 79.9% / 19.2%
- Conventional / FHA / VA
- 86.2% / 8.4% / 4.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 84.2% of loans here — see methodology.
Where First State Bank of St. Charles, Missouri lent
States with at least 50 loans in 2025, ranked by volume.