First National Bank
First National Bank received 48 applications in 2025 and made 37 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 44 decisions, 6 were denials — 13.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900RND4J0SY320F06 |
|---|---|
| Applications received | 48 |
| Mortgages made | 37 |
| Denied | 6 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 19 | Not published | $145,000 | 20.0% |
| Refinancing | 11 | Not published | $85,000 | 0.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 12.5% |
Where First National Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fillmore County, MN | 6 | Under 10 loans | 40.0% |
| Scott County, IA | 4 | Under 10 loans | 0.0% |
| Mower County, MN | 4 | Under 10 loans | 16.7% |
| Hennepin County, MN | 3 | Under 10 loans | 0.0% |
| Jackson County, MN | 3 | Under 10 loans | 0.0% |
| Rock Island County, IL | 2 | Under 10 loans | 0.0% |
| Murray County, MN | 2 | Under 10 loans | 0.0% |
| Nobles County, MN | 2 | Under 10 loans | 0.0% |
| Olmsted County, MN | 2 | Under 10 loans | 0.0% |
| Allamakee County, IA | 1 | Under 10 loans | 0.0% |
| Howard County, IA | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Dodge County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Centre County, PA | 1 | Under 10 loans | 0.0% |
| Kingsbury County, SD | 1 | Under 10 loans | 50.0% |
| Lake County, SD | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 0 | Under 10 loans | Not published |
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When First National Bank’s figures are published for the next year, or restated.
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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.