First State Bank of the South, Inc.
First State Bank of the South, Inc. received 38 applications in 2025 and made 36 mortgages, in 10 counties across 2 states. The median rate its borrowers got was 8.990% on a median loan of $90,000. Of 38 decisions, 2 were denials — 5.3%, most often for credit history.
| Legal Entity Identifier | 549300ZABGDYBUG68F18 |
|---|---|
| Applications received | 38 |
| Mortgages made | 36 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 3.097 points |
| FDIC-insured bank | Yes: First State Bank of the South, Inc., 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 15 | 8.990% | $95,000 | 0.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 10.0% |
Where First State Bank of the South, Inc. lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lamar County, AL | 16 | 9.375% | 0.0% |
| Tuscaloosa County, AL | 5 | Under 10 loans | 28.6% |
| Limestone County, AL | 4 | Under 10 loans | 0.0% |
| Marion County, AL | 4 | Under 10 loans | 0.0% |
| Franklin County, AL | 2 | Under 10 loans | 0.0% |
| Fayette County, AL | 1 | Under 10 loans | 0.0% |
| Greene County, AL | 1 | Under 10 loans | 0.0% |
| Lawrence County, AL | 1 | Under 10 loans | 0.0% |
| Lauderdale County, MS | 1 | Under 10 loans | 0.0% |
| Monroe County, MS | 1 | Under 10 loans | 0.0% |
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When First State Bank of the South, Inc.’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.