First National Bank
First National Bank received 412 applications in 2025 and made 341 mortgages, in 39 counties across 5 states. The median rate its borrowers got was 7.750% on a median loan of $145,000. Of 412 decisions, 16 were denials — 3.9%, most often for credit history.
| Legal Entity Identifier | 5493003EW6T31TGECO83 |
|---|---|
| Applications received | 412 |
| Mortgages made | 341 |
| Denied | 16 |
| Approved, not taken up | 55 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.7785 points |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 192 | 7.750% | $185,000 | 4.5% |
| Refinancing | 81 | 7.750% | $135,000 | 2.3% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 68 | 7.950% | $55,000 | 4.0% |
Where First National Bank lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greene County, AR | 88 | 7.750% | 0.0% |
| Craighead County, AR | 78 | 7.500% | 1.0% |
| Clay County, AR | 48 | 7.950% | 13.1% |
| Sumner County, TN | 33 | 8.000% | 0.0% |
| Washington County, AR | 16 | 7.500% | 5.6% |
| Benton County, AR | 11 | 7.750% | 0.0% |
| Pulaski County, AR | 9 | Under 10 loans | 0.0% |
| Cleburne County, AR | 7 | Under 10 loans | 0.0% |
| Robertson County, TN | 7 | Under 10 loans | 0.0% |
| Trousdale County, TN | 7 | Under 10 loans | 20.0% |
| Lawrence County, AR | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 3 | Under 10 loans | 0.0% |
| Baxter County, AR | 2 | Under 10 loans | 0.0% |
| Faulkner County, AR | 2 | Under 10 loans | 33.3% |
| Garland County, AR | 2 | Under 10 loans | 0.0% |
| Poinsett County, AR | 2 | Under 10 loans | 0.0% |
| Randolph County, AR | 2 | Under 10 loans | 33.3% |
| Sharp County, AR | 2 | Under 10 loans | 0.0% |
| Macon County, TN | 2 | Under 10 loans | 0.0% |
| Shelby County, TN | 2 | Under 10 loans | 0.0% |
| Wilson County, TN | 2 | Under 10 loans | 0.0% |
| Carroll County, AR | 1 | Under 10 loans | 0.0% |
| Fulton County, AR | 1 | Under 10 loans | 0.0% |
| Grant County, AR | 1 | Under 10 loans | 0.0% |
| Lonoke County, AR | 1 | Under 10 loans | 0.0% |
| Madison County, AR | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 1 | Under 10 loans | 0.0% |
| Stone County, AR | 1 | Under 10 loans | 0.0% |
| White County, AR | 1 | Under 10 loans | 50.0% |
| Dunklin County, MO | 1 | Under 10 loans | 0.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Clay County, TN | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Tipton County, TN | 1 | Under 10 loans | 0.0% |
| Baldwin County, AL | 0 | Under 10 loans | 0.0% |
| Christian County, MO | 0 | Under 10 loans | 0.0% |
| McDonald County, MO | 0 | Under 10 loans | 0.0% |
| New Madrid County, MO | 0 | Under 10 loans | 100.0% |
| Cheatham County, TN | 0 | Under 10 loans | 0.0% |
Get told when this changes
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.