First State Mortgage Services, LLC mortgage approval rate & lending review
First State Mortgage Services, LLC decided 3,413 mortgage applications and funded 3,310 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First State Mortgage Services, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to firststatemortgage.com.
First State Mortgage Services, LLC at a glance
Approval is 10.9 points above the 86.4% 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 | 98% | 2,899 / 2,972 | 100% | $215K | 2,888 |
| Cash-out refinance | 92% | 71 / 77 | 99% | $205K | 70 |
| Refinance | 97% | 182 / 188 | 100% | $265K | 182 |
| Investment property purchase | 96% | 149 / 155 | 100% | $135K | 149 |
First State Mortgage Services, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 97% | $215K | 2,947 | 2,851 |
| Wisconsin | 99% | $305K | 299 | 297 |
| Florida | 97% | $325K | 32 | 31 |
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 Mortgage Services, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLean County, IL | Mortgage lenders | 98% | 1,768 | 1,735 |
| Tazewell County, IL | Mortgage lenders | 96% | 194 | 185 |
| Waukesha County, WI | Mortgage lenders | 100% | 96 | 96 |
| McLean County, IL | Refinance | 97% | 89 | 86 |
| McLean County, IL | Investment property purchase | 96% | 84 | 81 |
| Macon County, IL | Mortgage lenders | 96% | 84 | 81 |
| Champaign County, IL | Mortgage lenders | 98% | 63 | 61 |
| Peoria County, IL | Mortgage lenders | 95% | 62 | 59 |
| Kane County, IL | Mortgage lenders | 98% | 56 | 55 |
| Washington County, WI | Mortgage lenders | 100% | 45 | 45 |
| LaSalle County, IL | Mortgage lenders | 94% | 34 | 32 |
| Sangamon County, IL | Mortgage lenders | 83% | 35 | 29 |
The county markets where First State Mortgage Services, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about First State Mortgage Services, LLC
What is First State Mortgage Services, LLC's mortgage approval rate?
First State Mortgage Services, LLC approved 97.3% of the 3,413 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points above the 86.4% national rate for the same mix of loan types.
How often do borrowers take the loan First State Mortgage Services, LLC offers?
Borrowers accepted 100% of the loans First State Mortgage Services, LLC 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 Mortgage Services, LLC make?
The typical home purchase mortgage loan First State Mortgage Services, LLC made was $215K; across all loan types its typical loan ran from $135K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First State Mortgage Services, LLC lend?
First State Mortgage Services, LLC decided applications in 30 of the states Fat Boy Data covers, most of them in Illinois, Wisconsin and Florida.
Can I apply to First State Mortgage Services, LLC directly?
Yes. First State Mortgage Services, LLC reports as a direct lender that takes applications from borrowers. Its website is firststatemortgage.com.
Does this page show First State Mortgage Services, LLC'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 Mortgage Services, LLC treats applications, then get a rate quote from the lender.