First State Bank (549300) mortgage approval rate & lending review
First State Bank (549300) decided 305 mortgage applications and funded 283 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First State Bank (549300) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First State Bank (549300) at a glance
Approval is 17.9 points above the 74.9% 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 | 90% | 80 / 89 | 100% | $275K | 80 |
| Home improvement loans | 91% | 95 / 104 | 100% | $65K | 95 |
| Investment property purchase | 98% | 53 / 54 | 100% | $145K | 53 |
| Investment home improvement | 96% | 24 / 25 | 100% | $105K | 24 |
First State Bank (549300) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $125K | 305 | 283 |
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 State Bank (549300) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Brazoria County, TX | Home improvement loans | 91% | 100 | 91 |
| Brazoria County, TX | Mortgage lenders | 91% | 85 | 77 |
| Brazoria County, TX | Investment property purchase | 98% | 52 | 51 |
| Brazoria County, TX | Refinance | 90% | 20 | 18 |
The county markets where First State Bank (549300) made the most loans. Each link opens that market with every lender ranked.
Questions about First State Bank (549300)
What is First State Bank (549300)'s mortgage approval rate?
First State Bank (549300) approved 92.8% of the 305 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.9 points above the 74.9% national rate for the same mix of loan types.
How often do borrowers take the loan First State Bank (549300) offers?
Borrowers accepted 100% of the loans First State Bank (549300) approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First State Bank (549300) make?
The typical home improvement loan loan First State Bank (549300) made was $65K; across all loan types its typical loan ran from $65K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First State Bank (549300) lend?
First State Bank (549300) decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to First State Bank (549300) directly?
Yes. First State Bank (549300) is a bank or credit union with 226 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First State Bank (549300)'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 State Bank (549300) treats applications, then get a rate quote from the lender.