First Savings Bank mortgage approval rate & lending review
First Savings Bank decided 4,049 mortgage applications and funded 3,097 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Savings Bank at a glance
Approval is 0.2 points above the 77.7% 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 | 91% | 1,272 / 1,397 | 99% | $245K | 1,261 |
| Home improvement loans | 83% | 48 / 58 | 94% | $55K | 45 |
| Cash-out refinance | 68% | 1,117 / 1,634 | 97% | $355K | 1,082 |
| Refinance | 58% | 224 / 383 | 96% | $335K | 214 |
| Investment property purchase | 89% | 339 / 382 | 100% | $165K | 338 |
| Investment cash-out refinance | 76% | 73 / 96 | 100% | $155K | 73 |
| Investment refinance | 85% | 77 / 91 | 100% | $175K | 77 |
First Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 74% | $335K | 480 | 347 |
| Indiana | 89% | $115K | 403 | 352 |
| New York | 82% | $435K | 263 | 212 |
| California | 69% | $445K | 258 | 172 |
| Illinois | 86% | $225K | 257 | 217 |
| Texas | 90% | $175K | 161 | 145 |
| Georgia | 64% | $335K | 157 | 94 |
| Kentucky | 89% | $195K | 153 | 135 |
| Michigan | 85% | $195K | 150 | 126 |
| New Jersey | 74% | $355K | 136 | 99 |
| North Carolina | 66% | $335K | 123 | 81 |
| Ohio | 75% | $195K | 113 | 81 |
| Pennsylvania | 75% | $335K | 113 | 84 |
| Arizona | 84% | $485K | 101 | 84 |
| South Carolina | 73% | $285K | 98 | 69 |
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 Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clark County, IN | Mortgage lenders | 96% | 164 | 157 |
| Clark County, IN | Cash-out refinance | 85% | 71 | 59 |
| Clark County, IN | Home improvement loans | 82% | 56 | 43 |
| Jefferson County, KY | Investment property purchase | 90% | 31 | 28 |
| Clark County, IN | Refinance | 90% | 29 | 25 |
| Clark County, IN | Investment property purchase | 90% | 20 | 18 |
| Tulsa County, OK | Cash-out refinance | 59% | 27 | 16 |
The county markets where First Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Savings Bank
What is First Savings Bank's mortgage approval rate?
First Savings Bank approved 78.0% of the 4,049 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.2 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan First Savings Bank offers?
Borrowers accepted 98% of the loans First Savings Bank approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Savings Bank make?
The typical cash-out refinance loan First Savings Bank made was $355K; across all loan types its typical loan ran from $55K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Savings Bank lend?
First Savings Bank decided applications in 51 of the states Fat Boy Data covers, most of them in Florida, Indiana and New York.
Can I apply to First Savings Bank directly?
Yes. First Savings Bank is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First 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 Savings Bank treats applications, then get a rate quote from the lender.