First State Bank
First State Bank received 146 applications in 2025 and made 115 mortgages, in 17 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $215,000. Of 142 decisions, 12 were denials — 8.5%.
| Legal Entity Identifier | 549300KOEN7O8EYN8207 |
|---|---|
| Applications received | 146 |
| Mortgages made | 115 |
| Denied | 12 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 62 | Not published | $360,000 | 7.8% |
| Refinancing | 22 | Not published | $160,000 | 11.1% |
| Other purposes | 31 | Not published | $105,000 | 7.9% |
Where First State Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Henderson County, TX | 61 | Not published | 7.8% |
| Navarro County, TX | 24 | Not published | 7.7% |
| Kaufman County, TX | 11 | Not published | 7.7% |
| Anderson County, TX | 4 | Under 10 loans | 16.7% |
| Van Zandt County, TX | 3 | Under 10 loans | 20.0% |
| Galveston County, TX | 2 | Under 10 loans | 0.0% |
| Titus County, TX | 2 | Under 10 loans | 0.0% |
| Colfax County, NM | 1 | Under 10 loans | 0.0% |
| Santa Fe County, NM | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Brown County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Freestone County, TX | 1 | Under 10 loans | 0.0% |
| Smith County, TX | 1 | Under 10 loans | 50.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 0.0% |
| Rockwall County, TX | 0 | Under 10 loans | 0.0% |
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When First State Bank’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.