What loan types does 1st National Bank offer?

1st National Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does 1st National Bank offer mortgages?

1st National Bank offers mortgages in 9 states: FL, IL, IN, KY, NC, OH, PA, SC, TN.

How competitive are 1st National Bank's mortgage rates?

1st National Bank has an overall pricing score of 63.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is 1st National Bank?

1st National Bank is a Bank headquartered in Lebanon, OH.

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1st National Bank

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1st National Bank has 258 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

1st National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+30.7 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

231 loans · 0.28% above market

Sound

Top 60% of lenders

3/5

FHA

20 loans · 0.65% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

202 loans · 0.28% above market

Sound

Top 60% of lenders

3/5

Refinance

56 loans · 0.40% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	231	89.5%	+0.276%Above	$1,044Fees
FHA Loans	Sound	Sound	Sound	Sound	20	7.8%	+0.647%Above	$1,375Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume231

Mix89.5%

Spread

+0.276%Above

Fees

$1,044Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume20

Mix7.8%

Spread

+0.647%Above

Fees

$1,375Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	202	78.3%	+0.279%Above	$1,240Fees
Refinance	Sound	Sound	Sound	Sound	56	21.7%	+0.400%Above	$644Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume202

Mix78.3%

Spread

+0.279%Above

Fees

$1,240Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume56

Mix21.7%

Spread

+0.400%Above

Fees

$644Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

258

Applications

390

Volume

$77 million

Pricing & Closing

Avg Rate Spread

+0.307%

vs. market APOR

Avg Net Fees

$1,100

Origination − Credits

Pullthrough Rate

66.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$301,047

Avg Borrower Income

$175,682

Avg Property Value

$424,884

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

9Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast1

Midwest3

ILINOH

South5

FLKYNCSCTN

Top Metro Areas by Place Specialization Score

Cincinnati, OHMetro

Volume 186Mix 72.09% of portfolio

83/100

Exceptional

Dayton, OHMetro

Volume 16Mix 6.20% of portfolio

49/100

Sound

Top States by Place Specialization Score

OhioState

Volume 216Mix 83.72% of portfolio

74/100

Strong

KentuckyState

Volume 26Mix 10.08% of portfolio

53/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.