First Central State Bank
First Central State Bank received 269 applications in 2025 and made 225 mortgages, in 23 counties across 10 states. The median rate its borrowers got was 6.688% on a median loan of $145,000. Of 252 decisions, 23 were denials — 9.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005L8AW1CTD9HZ03 |
|---|---|
| Applications received | 269 |
| Mortgages made | 225 |
| Denied | 23 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.183 points |
| FDIC-insured bank | Yes: First Central State Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 144 | 7.000% | $170,000 | 8.1% |
| Refinancing | 59 | Not published | $125,000 | 10.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 17 | Not published | $65,000 | 14.3% |
Where First Central State Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clinton County, IA | 109 | 6.375% | 7.5% |
| Scott County, IA | 69 | Not published | 11.4% |
| Rock Island County, IL | 16 | Not published | 11.1% |
| Whiteside County, IL | 11 | Not published | 0.0% |
| Jackson County, IA | 5 | Under 10 loans | 0.0% |
| Benton County, AR | 2 | Under 10 loans | 0.0% |
| Carroll County, IL | 2 | Under 10 loans | 0.0% |
| Henry County, IL | 2 | Under 10 loans | 0.0% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Mercer County, IL | 1 | Under 10 loans | 0.0% |
| Cedar County, IA | 1 | Under 10 loans | 0.0% |
| Dubuque County, IA | 1 | Under 10 loans | 0.0% |
| Linn County, IA | 1 | Under 10 loans | 0.0% |
| Winona County, MN | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Appanoose County, IA | 0 | Under 10 loans | Not published |
| Jones County, IA | 0 | Under 10 loans | 100.0% |
| Rice County, MN | 0 | Under 10 loans | Not published |
| Macon County, MO | 0 | Under 10 loans | 100.0% |
| Henry County, OH | 0 | Under 10 loans | 100.0% |
| Sawyer County, WI | 0 | Under 10 loans | 0.0% |
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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.