1st National Bank
1st National Bank received 424 applications in 2025 and made 301 mortgages, in 36 counties across 9 states. The median rate its borrowers got was 6.375% on a median loan of $275,000. Of 306 decisions, 5 were denials — 1.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900Q9V3DYHBRTUH61 |
|---|---|
| Applications received | 424 |
| Mortgages made | 301 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 118 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.021 points |
| FDIC-insured bank | Yes: 1st National Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 182 | 6.500% | $275,000 | 0.5% |
| Refinancing | 89 | 5.875% | $305,000 | 2.2% |
| Cash-out refinancing | 30 | 6.625% | $220,000 | 6.3% |
Where 1st National Bank lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Warren County, OH | 120 | 6.250% | 0.8% |
| Hamilton County, OH | 47 | 6.490% | 2.1% |
| Butler County, OH | 35 | 6.625% | 2.8% |
| Montgomery County, OH | 20 | 6.375% | 0.0% |
| Clinton County, OH | 18 | 6.500% | 0.0% |
| Clermont County, OH | 16 | 6.500% | 0.0% |
| Greene County, OH | 8 | Under 10 loans | 0.0% |
| Brown County, OH | 5 | Under 10 loans | 0.0% |
| Highland County, OH | 5 | Under 10 loans | 0.0% |
| Boone County, KY | 3 | Under 10 loans | 0.0% |
| Campbell County, KY | 3 | Under 10 loans | 25.0% |
| Kenton County, KY | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 33.3% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Johnson County, IN | 1 | Under 10 loans | 0.0% |
| Montgomery County, IN | 1 | Under 10 loans | 0.0% |
| Floyd County, KY | 1 | Under 10 loans | 0.0% |
| Grant County, KY | 1 | Under 10 loans | 0.0% |
| Greenup County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Johnson County, KY | 1 | Under 10 loans | 0.0% |
| Madison County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, OH | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Pickett County, TN | 1 | Under 10 loans | 0.0% |
| Clark County, IN | 0 | Under 10 loans | Not published |
| Auglaize County, OH | 0 | Under 10 loans | Not published |
| Portage County, OH | 0 | Under 10 loans | Not published |
| Preble County, OH | 0 | Under 10 loans | Not published |
| Ross County, OH | 0 | Under 10 loans | Not published |
| Stark County, OH | 0 | Under 10 loans | Not published |
| Northampton County, PA | 0 | Under 10 loans | Not published |
| Rutherford County, TN | 0 | Under 10 loans | Not published |
| Dallas County, TX | 0 | Under 10 loans | Not published |
Get told when this changes
When 1st National Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.