First State Bank
First State Bank received 322 applications in 2025 and made 208 mortgages, in 29 counties across 5 states. The median rate its borrowers got was 6.750% on a median loan of $265,000. Of 230 decisions, 21 were denials — 9.1%, most often for credit history.
| Legal Entity Identifier | 54930079VLB4FPPZ7Y58 |
|---|---|
| Applications received | 322 |
| Mortgages made | 208 |
| Denied | 21 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 92 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.327 points |
| FDIC-insured bank | Yes: First State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 136 | 6.750% | $285,000 | 6.2% |
| Refinancing | 36 | 7.225% | $225,000 | 7.5% |
| Cash-out refinancing | 18 | 7.125% | $270,000 | 21.7% |
| Other purposes | 18 | 6.688% | $135,000 | 18.2% |
Where First State Bank lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cooke County, TX | 58 | 6.625% | 1.7% |
| Denton County, TX | 38 | 6.875% | 9.5% |
| Grayson County, TX | 35 | 6.875% | 20.5% |
| McLennan County, TX | 18 | 7.000% | 5.3% |
| Wise County, TX | 18 | 6.750% | 10.0% |
| Montague County, TX | 12 | 6.813% | 0.0% |
| Tarrant County, TX | 8 | Under 10 loans | 11.1% |
| Collin County, TX | 6 | Under 10 loans | 12.5% |
| Fannin County, TX | 2 | Under 10 loans | 0.0% |
| Kaufman County, TX | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Logan County, OK | 1 | Under 10 loans | 0.0% |
| Marshall County, OK | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Clay County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Moore County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Wichita County, TX | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 0 | Under 10 loans | Not published |
| Bryan County, OK | 0 | Under 10 loans | Not published |
| Carter County, OK | 0 | Under 10 loans | 100.0% |
| Jefferson County, OK | 0 | Under 10 loans | Not published |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Grimes County, TX | 0 | Under 10 loans | Not published |
| Hill County, TX | 0 | Under 10 loans | Not published |
| Palo Pinto County, TX | 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.