1st National Bank mortgage approval rate & lending review
1st National Bank decided 738 mortgage applications and funded 724 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1st National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1st National Bank at a glance
Approval is 13.5 points above the 84.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 490 / 499 | 100% | $295K | 490 |
| Cash-out refinance | 97% | 35 / 36 | 100% | $225K | 35 |
| Refinance | 97% | 108 / 111 | 100% | $305K | 108 |
| Investment property purchase | 100% | 69 / 69 | 100% | $165K | 69 |
1st National Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1st National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Warren County, OH | Mortgage lenders | 100% | 152 | 152 |
| Hamilton County, OH | Mortgage lenders | 97% | 115 | 112 |
| Butler County, OH | Mortgage lenders | 100% | 81 | 81 |
| Warren County, OH | Refinance | 100% | 54 | 54 |
| Clermont County, OH | Mortgage lenders | 93% | 46 | 43 |
| Warren County, OH | Cash-out refinance | 100% | 26 | 26 |
| Hamilton County, OH | Investment property purchase | 100% | 23 | 23 |
| Hamilton County, OH | Refinance | 90% | 20 | 18 |
The county markets where 1st National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about 1st National Bank
What is 1st National Bank's mortgage approval rate?
1st National Bank approved 98.1% of the 738 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan 1st National Bank offers?
Borrowers accepted 100% of the loans 1st National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1st National Bank make?
The typical home purchase mortgage loan 1st National Bank made was $295K; across all loan types its typical loan ran from $165K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1st National Bank lend?
1st National Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Indiana.
Can I apply to 1st National Bank directly?
Yes. 1st National Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 1st National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1st National Bank treats applications, then get a rate quote from the lender.