Lenders › First State Bank of St Charles › Kansas
First State Bank of St Charles in Kansas
HMDA record for properties in Kansas, calendar year 2024. National record · Kansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
First State Bank of St Charles's 2024 HMDA record for Kansas covers 524 applications, 524 of them originated, worth $179m.
Its denial rate in the state was 0.0%, below the Kansas rate of 19.2% across all lenders and compared with the lender's national rate of 0.0%.
The median rate spread on its Kansas originations was 0.1 percentage points (state median 0.4).
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Kansas | Kansas, all lenders | First State Bank of St Charles, all states | United States |
|---|---|---|---|---|
| Denial rate | 0.0% | 19.2% | 0.0% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.6% | 14.2% | 1.3% | 15.6% |
| Average originated loan | $341k | $242k | $310k | $329k |
| Home purchase share | 86.6% | 58.5% | 84.6% | 57.0% |
| FHA-insured share | 10.9% | 11.3% | 9.2% | 13.4% |
| VA-guaranteed share | 5.0% | 9.3% | 4.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKansas, all lenders
Loan purpose and loan type in Kansas
By purpose
Home purchase 87% (454)Home improvement 0% (2)Refinancing 9% (46)Cash-out refinancing 4% (21)Other purpose 0% (1)
By type
Conventional 84% (439)FHA 11% (57)VA 5% (26)USDA 0% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Johnson County | 336 | 336 | $126m | 0.0% |
| Wyandotte County | 60 | 60 | $15m | 0.0% |
| Leavenworth County | 59 | 59 | $19m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First State Bank of St Charles originate in Kansas in 2024?
524 loans totalling $179m, from 524 applications reported for properties in Kansas.
What is First State Bank of St Charles's denial rate in Kansas?
0.0% of decided applications in Kansas were denied, against 19.2% for all lenders in the state and 0.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kansas counties does First State Bank of St Charles lend in most?
By originations: Johnson County (336), Wyandotte County (60), Leavenworth County (59).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.