FIRST
FIRST received 190 applications in 2025 and made 139 mortgages, in 18 counties across 2 states. The median rate its borrowers got was 6.000% on a median loan of $65,000. Of 160 decisions, 17 were denials — 10.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZNV71J20M52A37 |
|---|---|
| Applications received | 190 |
| Mortgages made | 139 |
| Denied | 17 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.32 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 | 21 | 5.990% | $205,000 | 12.5% |
| Refinancing | 14 | 5.990% | $165,000 | 0.0% |
| Cash-out refinancing | 25 | 5.990% | $125,000 | 16.7% |
| Other purposes | 79 | 6.990% | $45,000 | 9.8% |
Where FIRST lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Linn County, IA | 90 | 6.990% | 14.3% |
| Benton County, IA | 21 | 5.990% | 4.6% |
| Clay County, IA | 7 | Under 10 loans | 0.0% |
| Johnson County, IA | 5 | Under 10 loans | 0.0% |
| Jones County, IA | 3 | Under 10 loans | 0.0% |
| Story County, IA | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 0.0% |
| Buchanan County, IA | 1 | Under 10 loans | 0.0% |
| Cedar County, IA | 1 | Under 10 loans | 0.0% |
| Iowa County, IA | 1 | Under 10 loans | 0.0% |
| Louisa County, IA | 1 | Under 10 loans | 0.0% |
| Muscatine County, IA | 1 | Under 10 loans | 0.0% |
| O'Brien County, IA | 1 | Under 10 loans | 0.0% |
| Osceola County, IA | 1 | Under 10 loans | 0.0% |
| Pocahontas County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 0 | Under 10 loans | 100.0% |
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When FIRST’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.