1St Financial, Inc. mortgage approval rate & lending review
1St Financial, Inc. decided 1,245 mortgage applications and funded 980 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1St Financial, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1St Financial, Inc. at a glance
Approval is 1.5 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 883 / 1,011 | 90% | $465K | 799 |
| Cash-out refinance | 92% | 46 / 50 | 98% | $335K | 45 |
| Refinance | 86% | 61 / 71 | 77% | $415K | 47 |
| Investment property purchase | 84% | 62 / 74 | 90% | $345K | 56 |
| Investment cash-out refinance | 100% | 28 / 28 | 100% | $385K | 28 |
1St Financial, Inc. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1St Financial, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Miami-Dade County, FL | Mortgage lenders | 87% | 488 | 377 |
| Miami-Dade County, FL | Refinance | 96% | 45 | 31 |
The county markets where 1St Financial, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about 1St Financial, Inc.
What is 1St Financial, Inc.'s mortgage approval rate?
1St Financial, Inc. approved 87.3% of the 1,245 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan 1St Financial, Inc. offers?
Borrowers accepted 90% of the loans 1St Financial, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1St Financial, Inc. make?
The typical home purchase mortgage loan 1St Financial, Inc. made was $465K; across all loan types its typical loan ran from $335K to $465K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1St Financial, Inc. lend?
1St Financial, Inc. decided applications in 10 of the states Fat Boy Data covers, most of them in Florida, Maryland and Texas.
Can I apply to 1St Financial, Inc. directly?
Yes. 1St Financial, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show 1St Financial, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1St Financial, Inc. treats applications, then get a rate quote from the lender.