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 B 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%
56th8.5% deniedProcesswithdrawn + incomplete share, weight 15%
86th2.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 186 | 139 | 5.4% | 5.6% | — | $55M |
| 2024 | 138 | 91 | 10.1% | 10.8% | — | $25M |
| 2025 | 146 | 115 | 8.2% | 8.5% | — | $36M |
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, 10 manufactured homes, 22 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 |
|---|---|---|---|
| $50k – $100k | 25 | 13 | 13.6% |
| $100k – $150k | 29 | 24 | 10.7% |
| $150k – $250k | 31 | 25 | 9.7% |
| Over $250k | 35 | 29 | 5.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 20 | 8.3% |
| 35–44 | 27 | 23 | 7.4% |
| 45–54 | 38 | 24 | 16.7% |
| 55–64 | 21 | 17 | 5.3% |
Where First State Bank lends
4 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 142 | 112 | 8.5% | — | #487 |
Frequently asked questions
First State Bank denied 8.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 56th percentile of small mortgage lenders.
In 2025, 53% of its applications were for home purchases, 19% for refinancing (including cash-out), and 27% 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.