1ST FINANCIAL, INC.
1ST FINANCIAL, INC. received 419 applications in 2025 and made 248 mortgages, in 56 counties across 8 states. The median rate its borrowers got was 6.990% on a median loan of $375,000. Of 299 decisions, 29 were denials — 9.7%, most often for other.
| Legal Entity Identifier | 549300AT7S7TRS2KSX88 |
|---|---|
| Applications received | 419 |
| Mortgages made | 248 |
| Denied | 29 |
| Approved, not taken up | 22 |
| Withdrawn or incomplete | 120 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.863 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 209 | 6.990% | $395,000 | 8.9% |
| Refinancing | 11 | 6.750% | $365,000 | 17.7% |
| Cash-out refinancing | 28 | 7.312% | $325,000 | 11.8% |
Where 1ST FINANCIAL, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Miami-Dade County, FL | 107 | 6.999% | 12.7% |
| Broward County, FL | 53 | 6.990% | 3.3% |
| Lee County, FL | 16 | 7.125% | 0.0% |
| Palm Beach County, FL | 9 | Under 10 loans | 16.7% |
| Baltimore city, MD | 5 | Under 10 loans | 16.7% |
| Baltimore County, MD | 4 | Under 10 loans | 20.0% |
| Montgomery County, MD | 4 | Under 10 loans | 33.3% |
| Prince George's County, MD | 4 | Under 10 loans | 0.0% |
| Marion County, FL | 3 | Under 10 loans | 0.0% |
| Dorchester County, MD | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| Carroll County, MD | 2 | Under 10 loans | 0.0% |
| Frederick County, MD | 2 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 50.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Gilchrist County, FL | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| Highlands County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 50.0% |
| Okeechobee County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Calvert County, MD | 1 | Under 10 loans | 0.0% |
| Cecil County, MD | 1 | Under 10 loans | 0.0% |
| Charles County, MD | 1 | Under 10 loans | 50.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 1 | Under 10 loans | 0.0% |
| Washington County, MD | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Caroline County, VA | 1 | Under 10 loans | 0.0% |
| Chesapeake city, VA | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 0 | Under 10 loans | Not published |
| Hendry County, FL | 0 | Under 10 loans | 100.0% |
| Pasco County, FL | 0 | Under 10 loans | Not published |
| Walton County, FL | 0 | Under 10 loans | Not published |
| Wicomico County, MD | 0 | Under 10 loans | Not published |
| Jackson County, MI | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.