First Central Savings Bank mortgage approval rate & lending review
First Central Savings Bank decided 1,239 mortgage applications and funded 1,221 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Central Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Central Savings Bank at a glance
Approval is 13.3 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 | 99% | 633 / 637 | 100% | $605K | 630 |
| Cash-out refinance | 100% | 45 / 45 | 100% | $585K | 45 |
| Investment property purchase | 98% | 457 / 464 | 100% | $665K | 456 |
| Investment cash-out refinance | 100% | 57 / 57 | 96% | $685K | 55 |
First Central Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 99% | $605K | 1,077 | 1,063 |
| Florida | 100% | $425K | 57 | 57 |
| New Jersey | 97% | $415K | 34 | 33 |
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 First Central Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Richmond County, NY | Mortgage lenders | 100% | 209 | 209 |
| Queens County, NY | Investment property purchase | 99% | 172 | 170 |
| Queens County, NY | Mortgage lenders | 100% | 132 | 131 |
| Kings County, NY | Mortgage lenders | 99% | 107 | 105 |
| Kings County, NY | Investment property purchase | 98% | 91 | 89 |
| Richmond County, NY | Investment property purchase | 100% | 55 | 55 |
| Nassau County, NY | Investment property purchase | 100% | 34 | 34 |
| Queens County, NY | Investment cash-out refinance | 100% | 23 | 23 |
The county markets where First Central Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Central Savings Bank
What is First Central Savings Bank's mortgage approval rate?
First Central Savings Bank approved 99.0% of the 1,239 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.3 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan First Central Savings Bank offers?
Borrowers accepted 100% of the loans First Central Savings Bank 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 First Central Savings Bank make?
The typical home purchase mortgage loan First Central Savings Bank made was $605K; across all loan types its typical loan ran from $585K to $685K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Central Savings Bank lend?
First Central Savings Bank decided applications in 31 of the states Fat Boy Data covers, most of them in New York, Florida and New Jersey.
Can I apply to First Central Savings Bank directly?
Yes. First Central Savings Bank is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Central Savings Bank'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 First Central Savings Bank treats applications, then get a rate quote from the lender.