1st National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.6% deniedPricingmedian rate spread over APOR, weight 30%
79th0.02 ptsProcesswithdrawn + incomplete share, weight 15%
7th27.8%Closing coststotal loan costs ÷ loan amount, weight 10%
86th0.94% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 435 | 305 | 1.8% | 2.6% | 6.63% | $88M |
| 2024 | 393 | 258 | 1.5% | 2.3% | 6.88% | $78M |
| 2025 | 424 | 301 | 1.2% | 1.6% | 6.38% | $95M |
What 1st National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 38 investment properties.
Why 1st National Bank denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at 1st National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 18 | 5.3% |
| $50k – $100k | 154 | 106 | 0.9% |
| $100k – $150k | 76 | 54 | 3.6% |
| $150k – $250k | 98 | 75 | 1.3% |
| Over $250k | 68 | 48 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 35 | 24 | 0.0% |
| 25–34 | 101 | 79 | 1.3% |
| 35–44 | 122 | 80 | 3.6% |
| 45–54 | 85 | 59 | 1.7% |
| 55–64 | 41 | 28 | 0.0% |
| 65–74 | 29 | 23 | 0.0% |
Where 1st National Bank lends
9 states and 36 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
1st National Bank denied 1.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason 1st National Bank gave in 2025 was "debt-to-income ratio", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans 1st National Bank originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.02 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 58% of its applications were for home purchases, 42% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 94% conventional, 4% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.