First State Bank of Middlebury
First State Bank of Middlebury received 208 applications in 2025 and made 179 mortgages, in 15 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 190 decisions, 11 were denials — 5.8%.
| Legal Entity Identifier | 549300ZLAWM1M5QAJH43 |
|---|---|
| Applications received | 208 |
| Mortgages made | 179 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First State Bank of Middlebury, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 133 | Not published | $235,000 | 2.9% |
| Refinancing | 25 | Not published | $265,000 | 10.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Other purposes | 12 | Not published | $165,000 | 14.3% |
Where First State Bank of Middlebury lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Elkhart County, IN | 113 | Not published | 5.8% |
| St. Joseph County, IN | 23 | Not published | 8.0% |
| LaGrange County, IN | 10 | Not published | 9.1% |
| Noble County, IN | 7 | Under 10 loans | 0.0% |
| Cass County, MI | 7 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 7 | Under 10 loans | 12.5% |
| Kosciusko County, IN | 4 | Under 10 loans | 0.0% |
| Berrien County, MI | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Cass County, IN | 0 | Under 10 loans | Not published |
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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.