First National Bank
First National Bank received 96 applications in 2025 and made 89 mortgages, in 11 counties across 3 states. The median rate its borrowers got was 7.990% on a median loan of $75,000. Of 90 decisions, 1 were denials — 1.1%, most often for other.
| Legal Entity Identifier | 549300OWLJ3NG26J9N79 |
|---|---|
| Applications received | 96 |
| Mortgages made | 89 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.358 points |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 39 | 7.990% | $85,000 | 0.0% |
| Refinancing | 25 | 7.990% | $55,000 | 0.0% |
| Cash-out refinancing | 11 | 8.390% | $75,000 | 8.3% |
| Other purposes | 14 | 7.990% | $80,000 | 0.0% |
Where First National Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, AL | 34 | 7.990% | 0.0% |
| Winston County, AL | 24 | 7.890% | 4.0% |
| Lamar County, AL | 10 | 7.940% | 0.0% |
| Franklin County, AL | 5 | Under 10 loans | 0.0% |
| Walker County, AL | 5 | Under 10 loans | 0.0% |
| Monroe County, MS | 3 | Under 10 loans | 0.0% |
| Fayette County, AL | 2 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Maury County, TN | 2 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Itawamba County, MS | 1 | Under 10 loans | 0.0% |
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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.