First State Bank
First State Bank received 1,184 applications in 2025 and made 1,028 mortgages, in 72 counties across 16 states. The median rate its borrowers got was 6.625% on a median loan of $225,000. Of 1,090 decisions, 50 were denials — 4.6%, most often for collateral. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300VIZR4H7AB15496 |
|---|---|
| Applications received | 1,184 |
| Mortgages made | 1,028 |
| Denied | 50 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 94 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1875 points |
| FDIC-insured bank | Yes: First State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 792 | 6.625% | $245,000 | 3.2% |
| Refinancing | 80 | 6.490% | $165,000 | 4.7% |
| Cash-out refinancing | 31 | 6.875% | $205,000 | 8.6% |
| Other purposes | 125 | 6.490% | $95,000 | 11.8% |
Where First State Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macomb County, MI | 378 | 6.625% | 5.5% |
| Oakland County, MI | 180 | 6.490% | 5.2% |
| Genesee County, MI | 135 | 6.625% | 2.9% |
| St. Clair County, MI | 82 | 6.500% | 2.3% |
| Wayne County, MI | 71 | 6.625% | 6.6% |
| Lapeer County, MI | 28 | 6.813% | 3.3% |
| Livingston County, MI | 28 | 6.688% | 6.7% |
| Saginaw County, MI | 10 | 7.000% | 0.0% |
| Washtenaw County, MI | 10 | 6.625% | 0.0% |
| Huron County, MI | 7 | Under 10 loans | 0.0% |
| Roscommon County, MI | 7 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 7 | Under 10 loans | 12.5% |
| Clare County, MI | 5 | Under 10 loans | 0.0% |
| Ingham County, MI | 5 | Under 10 loans | 0.0% |
| Sanilac County, MI | 5 | Under 10 loans | 16.7% |
| Tuscola County, MI | 5 | Under 10 loans | 0.0% |
| Clinton County, MI | 3 | Under 10 loans | 0.0% |
| Oscoda County, MI | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Cherokee County, GA | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Antrim County, MI | 2 | Under 10 loans | 0.0% |
| Bay County, MI | 2 | Under 10 loans | 0.0% |
| Gratiot County, MI | 2 | Under 10 loans | 0.0% |
| Iosco County, MI | 2 | Under 10 loans | 0.0% |
| Isabella County, MI | 2 | Under 10 loans | 0.0% |
| Midland County, MI | 2 | Under 10 loans | 0.0% |
| Ottawa County, MI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 50.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Kauai County, HI | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Marion County, IA | 1 | Under 10 loans | 0.0% |
| Pulaski County, KY | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 1 | Under 10 loans | 0.0% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Crawford 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% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | 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.