The First National Bank and Trust Company
The First National Bank and Trust Company received 420 applications in 2025 and made 324 mortgages, in 37 counties across 5 states. The median rate its borrowers got was 7.125% on a median loan of $155,000. Of 362 decisions, 32 were denials — 8.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001SSNVCONGBH947 |
|---|---|
| Applications received | 420 |
| Mortgages made | 324 |
| Denied | 32 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 58 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5965 points |
| FDIC-insured bank | Yes: First National Bank & Trust Company, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 147 | 6.750% | $225,000 | 4.5% |
| Refinancing | 15 | 6.375% | $245,000 | 16.7% |
| Cash-out refinancing | 78 | 7.500% | $85,000 | 7.1% |
| Other purposes | 84 | 8.425% | $35,000 | 15.5% |
Where The First National Bank and Trust Company lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Rock County, WI | 121 | 7.125% | 4.7% |
| Walworth County, WI | 67 | 7.125% | 13.6% |
| Winnebago County, IL | 61 | 7.400% | 11.4% |
| Green County, WI | 27 | 7.125% | 3.5% |
| Lafayette County, WI | 8 | Under 10 loans | 0.0% |
| Boone County, IL | 4 | Under 10 loans | 20.0% |
| Stephenson County, IL | 4 | Under 10 loans | 20.0% |
| Jo Daviess County, IL | 2 | Under 10 loans | 0.0% |
| McHenry County, IL | 2 | Under 10 loans | 0.0% |
| Ogle County, IL | 2 | Under 10 loans | 0.0% |
| Dane County, WI | 2 | Under 10 loans | 0.0% |
| Racine County, WI | 2 | Under 10 loans | 0.0% |
| Wood County, WI | 2 | Under 10 loans | 0.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| LaSalle County, IL | 1 | Under 10 loans | 0.0% |
| Potter County, TX | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
| Grant County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 50.0% |
| Oneida County, WI | 1 | Under 10 loans | 50.0% |
| Ozaukee County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 50.0% |
| Kendall County, IL | 0 | Under 10 loans | 100.0% |
| Door County, WI | 0 | Under 10 loans | Not published |
| Iowa County, WI | 0 | Under 10 loans | Not published |
| Waushara County, WI | 0 | Under 10 loans | Not published |
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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.