First State Bank
First State Bank received 463 applications in 2025 and made 393 mortgages, in 43 counties across 8 states. The median rate its borrowers got was 6.950% on a median loan of $155,000. Of 424 decisions, 31 were denials — 7.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CQG2T7TCGY8Q67 |
|---|---|
| Applications received | 463 |
| Mortgages made | 393 |
| Denied | 31 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.1535 points |
| FDIC-insured bank | Yes: First State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 255 | 6.950% | $170,000 | 5.2% |
| Refinancing | 72 | 6.950% | $175,000 | 10.0% |
| Cash-out refinancing | 12 | 6.250% | $180,000 | 33.3% |
| Other purposes | 54 | 7.250% | $70,000 | 5.3% |
Where First State Bank lends most
The 43 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 | 112 | 6.990% | 2.6% |
| LaSalle County, IL | 94 | 6.875% | 10.5% |
| Cook County, IL | 23 | 6.995% | 4.2% |
| Bureau County, IL | 20 | 6.938% | 16.7% |
| DeKalb County, IL | 20 | 6.875% | 4.8% |
| Lee County, IL | 18 | 7.063% | 14.3% |
| Kane County, IL | 17 | 6.875% | 10.5% |
| Ogle County, IL | 14 | 6.875% | 6.7% |
| Champaign County, IL | 6 | Under 10 loans | 0.0% |
| Livingston County, IL | 6 | Under 10 loans | 0.0% |
| DuPage County, IL | 5 | Under 10 loans | 0.0% |
| Peoria County, IL | 5 | Under 10 loans | 0.0% |
| Whiteside County, IL | 5 | Under 10 loans | 0.0% |
| Woodford County, IL | 5 | Under 10 loans | 0.0% |
| Marshall County, IL | 4 | Under 10 loans | 20.0% |
| Tazewell County, IL | 4 | Under 10 loans | 0.0% |
| Kendall County, IL | 3 | Under 10 loans | 0.0% |
| Lake County, IL | 3 | Under 10 loans | 0.0% |
| Putnam County, IL | 3 | Under 10 loans | 0.0% |
| Vermilion County, IL | 3 | Under 10 loans | 0.0% |
| Winnebago County, IL | 2 | Under 10 loans | 0.0% |
| Walworth County, WI | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Carroll County, IL | 1 | Under 10 loans | 0.0% |
| De Witt County, IL | 1 | Under 10 loans | 0.0% |
| Douglas County, IL | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 50.0% |
| Iroquois County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Moultrie County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Stephenson County, IL | 1 | Under 10 loans | 50.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Calloway County, KY | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| St. Francois County, MO | 1 | Under 10 loans | 0.0% |
| Stoddard County, MO | 1 | Under 10 loans | 50.0% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Price County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Grundy County, IL | 0 | Under 10 loans | 100.0% |
| LaPorte County, IN | 0 | Under 10 loans | Not published |
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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.