Lender profile · HMDA 2023–2025
1St Financial, Inc. mortgage approval rates & lending data
1St Financial, Inc. decided 1,245 mortgage applications and funded 980 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 883 / 1,011 | 90% | $465K | 799 |
| Cash-out refinance | 92% | 46 / 50 | 98% | $335K | 45 |
| Refinance | 86% | 61 / 71 | 77% | $415K | 47 |
| Investment property purchase | 84% | 62 / 74 | 90% | $345K | 56 |
| Investment cash-out refinance | 100% | 28 / 28 | 100% | $385K | 28 |
1St Financial, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 87% | $505K | 1,079 | 841 |
| Maryland | 87% | $375K | 127 | 107 |
| Texas | 92% | $275K | 13 | 12 |
| Virginia | 88% | $245K | 8 | 7 |
| Pennsylvania | 100% | $265K | 7 | 7 |
| District of Columbia | 60% | $355K | 5 | 3 |
| Delaware | 100% | $125K | 2 | 2 |
| Indiana | 0% | — | 2 | 0 |
| Michigan | 0% | — | 1 | 0 |
| South Carolina | 100% | $235K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.