The First National Bank and Trust Company mortgage approval rate & lending review
The First National Bank and Trust Company decided 892 mortgage applications and funded 799 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The First National Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The First National Bank and Trust Company at a glance
Approval is 13.3 points above the 77.4% 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 | 92% | 362 / 392 | 99% | $215K | 358 |
| Home improvement loans | 89% | 180 / 202 | 98% | $35K | 176 |
| Cash-out refinance | 89% | 150 / 168 | 100% | $75K | 150 |
| Refinance | 83% | 35 / 42 | 97% | $95K | 34 |
| Investment property purchase | 94% | 66 / 70 | 98% | $305K | 65 |
The First National Bank and Trust Company 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 The First National Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Rock County, WI | Mortgage lenders | 94% | 190 | 177 |
| Rock County, WI | Home improvement loans | 89% | 95 | 83 |
| Walworth County, WI | Mortgage lenders | 89% | 90 | 78 |
| Rock County, WI | Cash-out refinance | 92% | 79 | 73 |
| Winnebago County, IL | Mortgage lenders | 92% | 78 | 71 |
| Winnebago County, IL | Home improvement loans | 89% | 55 | 48 |
| Winnebago County, IL | Cash-out refinance | 83% | 46 | 38 |
| Walworth County, WI | Home improvement loans | 86% | 44 | 38 |
| Walworth County, WI | Cash-out refinance | 94% | 35 | 33 |
| Walworth County, WI | Investment property purchase | 97% | 31 | 29 |
| Rock County, WI | Investment property purchase | 88% | 24 | 21 |
The county markets where The First National Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about The First National Bank and Trust Company
What is The First National Bank and Trust Company's mortgage approval rate?
The First National Bank and Trust Company approved 90.7% of the 892 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.3 points above the 77.4% national rate for the same mix of loan types.
How often do borrowers take the loan The First National Bank and Trust Company offers?
Borrowers accepted 99% of the loans The First National Bank and Trust Company 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 The First National Bank and Trust Company make?
The typical home purchase mortgage loan The First National Bank and Trust Company made was $215K; across all loan types its typical loan ran from $35K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The First National Bank and Trust Company lend?
The First National Bank and Trust Company decided applications in 5 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Florida.
Can I apply to The First National Bank and Trust Company directly?
Yes. The First National Bank and Trust Company is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The First National Bank and Trust Company'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 The First National Bank and Trust Company treats applications, then get a rate quote from the lender.