First State Community Bank mortgage approval rate & lending review
First State Community Bank decided 1,193 mortgage applications and funded 1,011 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First State Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First State Community Bank at a glance
Approval is 6.3 points above the 80.2% 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 | 83% | 404 / 487 | 99% | $215K | 398 |
| Home improvement loans | 81% | 155 / 192 | 98% | $55K | 152 |
| Cash-out refinance | 67% | 33 / 49 | 100% | $245K | 33 |
| Refinance | 92% | 143 / 156 | 97% | $115K | 139 |
| Investment property purchase | 97% | 235 / 242 | 97% | $145K | 228 |
| Investment refinance | 93% | 38 / 41 | 97% | $145K | 37 |
First State Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 87% | $145K | 1,175 | 997 |
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 Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, MO | Mortgage lenders | 85% | 234 | 195 |
| Franklin County, MO | Mortgage lenders | 82% | 125 | 100 |
| Jefferson County, MO | Home improvement loans | 73% | 99 | 70 |
| Franklin County, MO | Investment property purchase | 94% | 69 | 64 |
| Jefferson County, MO | Refinance | 94% | 68 | 63 |
| Jefferson County, MO | Investment property purchase | 98% | 66 | 63 |
| Franklin County, MO | Home improvement loans | 90% | 62 | 55 |
| Boone County, MO | Mortgage lenders | 83% | 65 | 54 |
| Franklin County, MO | Refinance | 86% | 58 | 49 |
| Boone County, MO | Investment property purchase | 100% | 48 | 47 |
| St. Charles County, MO | Investment property purchase | 94% | 31 | 27 |
| Boone County, MO | Refinance | 96% | 24 | 22 |
The county markets where First State Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First State Community Bank
What is First State Community Bank's mortgage approval rate?
First State Community Bank approved 86.5% of the 1,193 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.3 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan First State Community Bank offers?
Borrowers accepted 98% of the loans First State Community 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 State Community Bank make?
The typical home purchase mortgage loan First State Community Bank made was $215K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First State Community Bank lend?
First State Community Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Missouri, Arkansas and Florida.
Can I apply to First State Community Bank directly?
Yes. First State Community Bank is a bank or credit union with 53 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First State Community 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 State Community Bank treats applications, then get a rate quote from the lender.