First State Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
24th17.6% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 108 | 79 | 11.1% | 11.2% | — | $26M |
| 2024 | 170 | 121 | 13.5% | 13.7% | — | $47M |
| 2025 | 178 | 132 | 17.4% | 17.6% | — | $39M |
What First State Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 44 investment properties.
Who gets approved at First State Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 13 | 36.4% |
| $50k – $100k | 44 | 31 | 15.9% |
| $100k – $150k | 43 | 29 | 19.1% |
| $150k – $250k | 28 | 21 | 18.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 20 | 17.2% |
| 35–44 | 32 | 20 | 26.7% |
| 45–54 | 28 | 21 | 25.0% |
| 55–64 | 29 | 20 | 17.2% |
| 65–74 | 20 | 18 | 10.0% |
Where First State Bank and Trust lends
3 states and 19 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First State Bank and Trust denied 17.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of small mortgage lenders.
In 2025, 55% of its applications were for home purchases, 29% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.