First State Bank and Trust
First State Bank and Trust received 178 applications in 2025 and made 132 mortgages, in 19 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 176 decisions, 31 were denials — 17.6%.
| Legal Entity Identifier | 549300R8LYY54XS86414 |
|---|---|
| Applications received | 178 |
| Mortgages made | 132 |
| Denied | 31 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 2 |
| 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 | 80 | Not published | $265,000 | 10.2% |
| Refinancing | 25 | Not published | $135,000 | 10.3% |
| Cash-out refinancing | 10 | Not published | $190,000 | 42.9% |
| Other purposes | 17 | Not published | $55,000 | 32.1% |
Where First State Bank and Trust lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Leavenworth County, KS | 59 | Not published | 16.0% |
| Douglas County, KS | 31 | Not published | 11.1% |
| Wyandotte County, KS | 15 | Not published | 5.6% |
| Jefferson County, KS | 12 | Not published | 22.2% |
| Johnson County, KS | 4 | Under 10 loans | 14.3% |
| Cass County, MO | 4 | Under 10 loans | 0.0% |
| Shawnee County, KS | 2 | Under 10 loans | 33.3% |
| Jackson County, MO | 2 | Under 10 loans | 25.0% |
| Harvey County, KS | 1 | Under 10 loans | 0.0% |
| Sedgwick County, KS | 1 | Under 10 loans | 0.0% |
| Platte County, MO | 1 | Under 10 loans | 0.0% |
| Bourbon County, KS | 0 | Under 10 loans | 100.0% |
| Clay County, KS | 0 | Under 10 loans | 100.0% |
| Franklin County, KS | 0 | Under 10 loans | 100.0% |
| Osage County, KS | 0 | Under 10 loans | 100.0% |
| Woodson County, KS | 0 | Under 10 loans | 100.0% |
| Clinton County, MO | 0 | Under 10 loans | 0.0% |
| St. Clair County, MO | 0 | Under 10 loans | 100.0% |
| Montgomery County, TX | 0 | Under 10 loans | 100.0% |
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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.