Lender profile · HMDA 2023–2025
First Bank & Trust mortgage approval rates & lending data
First Bank & Trust decided 1,368 mortgage applications and funded 1,179 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 643 / 720 | 99% | $275K | 638 |
| Home improvement loans | 84% | 153 / 182 | 97% | $65K | 149 |
| Cash-out refinance | 65% | 26 / 40 | 100% | $245K | 26 |
| Refinance | 84% | 163 / 193 | 99% | $95K | 162 |
| Investment property purchase | 92% | 180 / 195 | 97% | $215K | 175 |
| Investment refinance | 93% | 26 / 28 | 92% | $125K | 24 |
First Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Dakota | 88% | $275K | 915 | 798 |
| Minnesota | 86% | $205K | 400 | 334 |
| Arizona | 100% | $245K | 10 | 10 |
| Florida | 100% | $175K | 9 | 9 |
| Nebraska | 100% | $285K | 4 | 4 |
| California | 100% | $565K | 3 | 3 |
| Tennessee | 67% | $505K | 3 | 2 |
| Wisconsin | 67% | $255K | 3 | 2 |
| Arkansas | 50% | $225K | 2 | 1 |
| Colorado | 100% | $235K | 2 | 2 |
| Iowa | 100% | $305K | 2 | 2 |
| North Carolina | 50% | $265K | 2 | 1 |
| North Dakota | 100% | $375K | 2 | 2 |
| South Carolina | 50% | $205K | 2 | 1 |
| Georgia | 100% | $115K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.