First State Bank and Trust
First State Bank and Trust received 188 applications in 2025 and made 164 mortgages, in 14 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $175,000. Of 185 decisions, 11 were denials — 5.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900N4XMPM37K77D58 |
|---|---|
| Applications received | 188 |
| Mortgages made | 164 |
| Denied | 11 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 3 |
| 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 | 93 | Not published | $205,000 | 5.9% |
| Refinancing | 47 | Not published | $145,000 | 0.0% |
| Cash-out refinancing | 22 | Not published | $115,000 | 16.7% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where First State Bank and Trust lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Piatt County, IL | 44 | Not published | 2.0% |
| McLean County, IL | 32 | Not published | 10.5% |
| Champaign County, IL | 31 | Not published | 5.6% |
| Douglas County, IL | 29 | Not published | 6.3% |
| Macon County, IL | 6 | Under 10 loans | 14.3% |
| Moultrie County, IL | 6 | Under 10 loans | 0.0% |
| De Witt County, IL | 4 | Under 10 loans | 20.0% |
| Coles County, IL | 3 | Under 10 loans | 0.0% |
| Vermilion County, IL | 3 | Under 10 loans | 0.0% |
| Christian County, IL | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Livingston County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Tazewell County, IL | 1 | Under 10 loans | 0.0% |
Get told when this changes
When First State Bank and Trust’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.