First State Bank and Trust
First State Bank and Trust received 180 applications in 2025 and made 118 mortgages, in 31 counties across 10 states. The median rate its borrowers got was Not published on a median loan of $285,000. Of 138 decisions, 17 were denials — 12.3%. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300AO417FCNJGKM49 |
|---|---|
| Applications received | 180 |
| Mortgages made | 118 |
| Denied | 17 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First State Bank and Trust, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 81 | Not published | $295,000 | 5.7% |
| Refinancing | 14 | Not published | $240,000 | 21.1% |
| Cash-out refinancing | 10 | Not published | $270,000 | 37.5% |
| Other purposes | 13 | Not published | $55,000 | 13.3% |
Where First State Bank and Trust lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, MN | 44 | Not published | 13.5% |
| St. Croix County, WI | 29 | Not published | 14.3% |
| Hennepin County, MN | 10 | Not published | 9.1% |
| Ramsey County, MN | 7 | Under 10 loans | 22.2% |
| Dakota County, MN | 4 | Under 10 loans | 0.0% |
| Pierce County, WI | 4 | Under 10 loans | 0.0% |
| Kenosha County, WI | 2 | Under 10 loans | 0.0% |
| Polk County, WI | 2 | Under 10 loans | 33.3% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 1 | Under 10 loans | 0.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Gallatin County, MT | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Dunn County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 0 | Under 10 loans | Not published |
| Arapahoe County, CO | 0 | Under 10 loans | Not published |
| Crow Wing County, MN | 0 | Under 10 loans | Not published |
| Goodhue County, MN | 0 | Under 10 loans | 100.0% |
| Nicollet County, MN | 0 | Under 10 loans | Not published |
| Bayfield County, WI | 0 | Under 10 loans | Not published |
| Washburn County, WI | 0 | Under 10 loans | Not published |
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When First State Bank and Trust’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.