First Bank Richmond
First Bank Richmond received 294 applications in 2025 and made 203 mortgages, in 31 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 263 decisions, 36 were denials — 13.7%, most often for credit history.
| Legal Entity Identifier | 549300Y0F8X17ADZK505 |
|---|---|
| Applications received | 294 |
| Mortgages made | 203 |
| Denied | 36 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 125 | Not published | $125,000 | 9.6% |
| Refinancing | 18 | Not published | $150,000 | 5.0% |
| Cash-out refinancing | 34 | Not published | $65,000 | 18.2% |
| Other purposes | 26 | Not published | $55,000 | 27.9% |
Where First Bank Richmond lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, IN | 119 | Not published | 11.8% |
| Shelby County, OH | 14 | Not published | 16.7% |
| Shelby County, IN | 13 | Not published | 11.8% |
| Miami County, OH | 11 | Not published | 26.7% |
| Fayette County, IN | 7 | Under 10 loans | 0.0% |
| Marion County, IN | 7 | Under 10 loans | 0.0% |
| Preble County, OH | 5 | Under 10 loans | 0.0% |
| Henry County, IN | 4 | Under 10 loans | 0.0% |
| Randolph County, IN | 4 | Under 10 loans | 44.4% |
| Franklin County, OH | 3 | Under 10 loans | 0.0% |
| Rush County, IN | 2 | Under 10 loans | 0.0% |
| Logan County, OH | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Decatur County, IN | 1 | Under 10 loans | 0.0% |
| Delaware County, IN | 1 | Under 10 loans | 0.0% |
| Grant County, IN | 1 | Under 10 loans | 0.0% |
| Hancock County, IN | 1 | Under 10 loans | 0.0% |
| Union County, IN | 1 | Under 10 loans | 50.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Allen County, OH | 1 | Under 10 loans | 0.0% |
| Auglaize County, OH | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | 0.0% |
| Adams County, IN | 0 | Under 10 loans | 0.0% |
| Madison County, IN | 0 | Under 10 loans | 100.0% |
| Champaign County, OH | 0 | Under 10 loans | 100.0% |
| Licking County, OH | 0 | Under 10 loans | Not published |
| Ottawa County, OH | 0 | Under 10 loans | 100.0% |
| Wyandot County, OH | 0 | Under 10 loans | Not published |
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When First Bank Richmond’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.