First National Bank of Pana 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%
89th2.0% deniedProcesswithdrawn + incomplete share, weight 15%
88th2.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 180 | 171 | 3.3% | 3.4% | — | $17M |
| 2024 | 172 | 169 | 0.6% | 0.6% | — | $24M |
| 2025 | 204 | 195 | 2.0% | 2.0% | — | $33M |
What First National Bank of Pana 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, 2 manufactured homes, 83 investment properties.
Who gets approved at First National Bank of Pana
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 49 | 45 | 4.3% |
| $100k – $150k | 52 | 50 | 2.0% |
| $150k – $250k | 32 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 43 | 6.5% |
| 35–44 | 39 | 38 | 2.6% |
| 45–54 | 25 | 25 | 0.0% |
Where First National Bank of Pana lends
5 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 198 | 189 | 2.0% | — | #247 |
Frequently asked questions
First National Bank of Pana denied 2.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 33% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.