First State Bank of Middlebury mortgage approval rate & lending review
First State Bank of Middlebury decided 375 mortgage applications and funded 332 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First State Bank of Middlebury reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First State Bank of Middlebury at a glance
Approval is 6.1 points above the 84.0% 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 | 92% | 221 / 240 | 99% | $225K | 218 |
| Refinance | 79% | 38 / 48 | 100% | $225K | 38 |
| Investment property purchase | 100% | 45 / 45 | 100% | $125K | 45 |
First State Bank of Middlebury lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 90% | $225K | 367 | 325 |
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 of Middlebury lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Elkhart County, IN | Mortgage lenders | 93% | 201 | 185 |
| Elkhart County, IN | Refinance | 78% | 41 | 32 |
| Elkhart County, IN | Investment property purchase | 100% | 30 | 30 |
| St. Joseph County, IN | Mortgage lenders | 89% | 36 | 30 |
The county markets where First State Bank of Middlebury made the most loans. Each link opens that market with every lender ranked.
Questions about First State Bank of Middlebury
What is First State Bank of Middlebury's mortgage approval rate?
First State Bank of Middlebury approved 90.1% of the 375 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.1 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan First State Bank of Middlebury offers?
Borrowers accepted 98% of the loans First State Bank of Middlebury 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 State Bank of Middlebury make?
The typical home purchase mortgage loan First State Bank of Middlebury made was $225K; across all loan types its typical loan ran from $125K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First State Bank of Middlebury lend?
First State Bank of Middlebury decided applications in 3 of the states Fat Boy Data covers, most of them in Indiana, Florida and Michigan.
Can I apply to First State Bank of Middlebury directly?
Yes. First State Bank of Middlebury is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First State Bank of Middlebury'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 of Middlebury treats applications, then get a rate quote from the lender.