First State Bank
First State Bank received 541 applications in 2025 and made 379 mortgages, in 37 counties across 5 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 488 decisions, 103 were denials — 21.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930065TMWOWFAXBL88 |
|---|---|
| Applications received | 541 |
| Mortgages made | 379 |
| Denied | 103 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 53 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.29 points |
| FDIC-insured bank | Yes: First State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 129 | 7.250% | $175,000 | 14.5% |
| Refinancing | 23 | 7.000% | $105,000 | 7.7% |
| Cash-out refinancing | 90 | 7.500% | $125,000 | 28.3% |
| Other purposes | 137 | 7.500% | $65,000 | 23.5% |
Where First State Bank lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Adams County, OH | 122 | 7.500% | 12.9% |
| Brown County, OH | 91 | 7.500% | 22.3% |
| Highland County, OH | 69 | 7.500% | 26.3% |
| Fayette County, OH | 17 | 7.500% | 15.0% |
| Clermont County, OH | 14 | 7.500% | 12.5% |
| Scioto County, OH | 12 | 7.500% | 36.8% |
| Clinton County, OH | 11 | 7.000% | 21.4% |
| Mason County, KY | 10 | 7.375% | 26.7% |
| Hamilton County, OH | 7 | Under 10 loans | 12.5% |
| Martin County, KY | 4 | Under 10 loans | 42.9% |
| Lawrence County, KY | 3 | Under 10 loans | 40.0% |
| Pickaway County, OH | 3 | Under 10 loans | 0.0% |
| Fleming County, KY | 2 | Under 10 loans | 0.0% |
| Dearborn County, IN | 1 | Under 10 loans | 0.0% |
| Lewis County, KY | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Robertson County, KY | 1 | Under 10 loans | 0.0% |
| Rowan County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, OH | 1 | Under 10 loans | 0.0% |
| Darke County, OH | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 50.0% |
| Jackson County, OH | 1 | Under 10 loans | 0.0% |
| Lake County, OH | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Cabell County, WV | 1 | Under 10 loans | 0.0% |
| Wayne County, WV | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 0 | Under 10 loans | 100.0% |
| Pendleton County, KY | 0 | Under 10 loans | 100.0% |
| Perry County, KY | 0 | Under 10 loans | 100.0% |
| Delaware County, OH | 0 | Under 10 loans | 100.0% |
| Lawrence County, OH | 0 | Under 10 loans | Not published |
| Pike County, OH | 0 | Under 10 loans | 0.0% |
| Ross County, OH | 0 | Under 10 loans | 100.0% |
| Vinton County, OH | 0 | Under 10 loans | 100.0% |
| Campbell County, TN | 0 | Under 10 loans | Not published |
| Mingo County, WV | 0 | Under 10 loans | 100.0% |
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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.