FIRST STATE MORTGAGE SERVICES, LLC
FIRST STATE MORTGAGE SERVICES, LLC received 1,592 applications in 2025 and made 1,350 mortgages, in 137 counties across 24 states. The median rate its borrowers got was 6.625% on a median loan of $225,000. Of 1,389 decisions, 35 were denials — 2.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000F6NFDOVVZP043 |
|---|---|
| Applications received | 1,592 |
| Mortgages made | 1,350 |
| Denied | 35 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 203 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.266 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,189 | 6.625% | $215,000 | 2.4% |
| Refinancing | 114 | 6.125% | $315,000 | 0.9% |
| Cash-out refinancing | 40 | 6.688% | $215,000 | 9.1% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 12.5% |
Where FIRST STATE MORTGAGE SERVICES, LLC 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 |
|---|---|---|---|
| McLean County, IL | 677 | 6.625% | 1.2% |
| Tazewell County, IL | 53 | 6.625% | 5.4% |
| Waukesha County, WI | 49 | 6.750% | 0.0% |
| Macon County, IL | 36 | 6.750% | 2.7% |
| Cook County, IL | 34 | 6.625% | 7.9% |
| Logan County, IL | 34 | 6.625% | 8.1% |
| Kane County, IL | 30 | 6.750% | 3.2% |
| Woodford County, IL | 29 | 6.750% | 3.3% |
| De Witt County, IL | 28 | 6.625% | 0.0% |
| Washington County, WI | 26 | 6.750% | 0.0% |
| Champaign County, IL | 24 | 6.500% | 11.1% |
| Peoria County, IL | 18 | 6.750% | 5.3% |
| Milwaukee County, WI | 17 | 6.625% | 0.0% |
| DuPage County, IL | 16 | 6.625% | 5.9% |
| Livingston County, IL | 16 | 6.500% | 0.0% |
| McHenry County, IL | 16 | 6.875% | 0.0% |
| Will County, IL | 15 | 6.490% | 0.0% |
| Lake County, IL | 13 | 6.625% | 0.0% |
| LaSalle County, IL | 12 | 6.313% | 0.0% |
| Vermilion County, IL | 10 | 6.313% | 15.4% |
| Fulton County, IL | 8 | Under 10 loans | 20.0% |
| Kendall County, IL | 7 | Under 10 loans | 12.5% |
| Winnebago County, IL | 7 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 7 | Under 10 loans | 0.0% |
| Bureau County, IL | 6 | Under 10 loans | 0.0% |
| Douglas County, IL | 6 | Under 10 loans | 0.0% |
| Sangamon County, IL | 6 | Under 10 loans | 25.0% |
| Ford County, IL | 4 | Under 10 loans | 0.0% |
| Mason County, IL | 4 | Under 10 loans | 0.0% |
| Jefferson County, WI | 4 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 4 | Under 10 loans | 0.0% |
| Chatham County, GA | 3 | Under 10 loans | 0.0% |
| DeKalb County, IL | 3 | Under 10 loans | 0.0% |
| Macoupin County, IL | 3 | Under 10 loans | 0.0% |
| Marshall County, IL | 3 | Under 10 loans | 0.0% |
| Piatt County, IL | 3 | Under 10 loans | 0.0% |
| Dane County, WI | 3 | Under 10 loans | 0.0% |
| Dodge County, WI | 3 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 3 | Under 10 loans | 0.0% |
| Wood County, WI | 3 | Under 10 loans | 0.0% |
| Flagler County, FL | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Cobb County, GA | 2 | Under 10 loans | 0.0% |
| Harris County, GA | 2 | Under 10 loans | 0.0% |
| Adams County, IL | 2 | Under 10 loans | 0.0% |
| Christian County, IL | 2 | Under 10 loans | 0.0% |
| Clark County, IL | 2 | Under 10 loans | 0.0% |
| Edgar County, IL | 2 | Under 10 loans | 0.0% |
| Lee County, IL | 2 | 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.