First State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
88th0.7% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 179 | 174 | 0.0% | 0.0% | — | $24M |
| 2024 | 155 | 155 | 0.0% | 0.0% | — | $25M |
| 2025 | 154 | 150 | 0.7% | 0.7% | — | $23M |
What First State Bank 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, 40 manufactured homes, 84 investment properties.
Who gets approved at First State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 34 | 0.0% |
| $50k – $100k | 43 | 42 | 0.0% |
| $100k – $150k | 26 | 24 | 3.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 19 | 0.0% |
| 35–44 | 25 | 25 | 0.0% |
| 45–54 | 23 | 22 | 4.4% |
| 55–64 | 29 | 28 | 0.0% |
Where First State Bank lends
3 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 147 | 143 | 0.7% | — | #286 |
| South Carolina | 6 | 6 | 0.0% | — | #623 |
Frequently asked questions
First State Bank denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of investment-property lenders.
In 2025, 44% of its applications were for home purchases, 42% for refinancing (including cash-out), and 14% 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.