1ST STATE FINANCIAL, LTD.
1ST STATE FINANCIAL, LTD. received 147 applications in 2025 and made 123 mortgages, in 25 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 133 decisions, 10 were denials — 7.5%.
| Legal Entity Identifier | 254900N51OM1EJ4TQZ22 |
|---|---|
| Applications received | 147 |
| Mortgages made | 123 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 93 | Not published | $165,000 | 7.0% |
| Refinancing | 17 | Not published | $135,000 | 5.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 20.0% |
Where 1ST STATE FINANCIAL, LTD. lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Saginaw County, MI | 41 | Not published | 6.8% |
| Bay County, MI | 36 | Not published | 5.3% |
| Midland County, MI | 17 | Not published | 10.5% |
| Arenac County, MI | 3 | Under 10 loans | 0.0% |
| Genesee County, MI | 2 | Under 10 loans | 0.0% |
| Gladwin County, MI | 2 | Under 10 loans | 0.0% |
| Ingham County, MI | 2 | Under 10 loans | 0.0% |
| Mackinac County, MI | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 33.3% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 1 | Under 10 loans | 0.0% |
| Iosco County, MI | 1 | Under 10 loans | 50.0% |
| Isabella County, MI | 1 | Under 10 loans | 0.0% |
| Lapeer County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When 1ST STATE FINANCIAL, LTD.’s figures are published for the next year, or restated.
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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.