What loan types does First National Bank offer?

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

Where does First National Bank offer mortgages?

First National Bank offers mortgages in 5 states: AR, FL, MO, TN, TX.

How competitive are First National Bank's mortgage rates?

First National Bank has an overall pricing score of 11.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First National Bank?

First National Bank is a Bank headquartered in Paragould, AR.

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First National Bank

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First National Bank has 75 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

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 93 basis points above market average

Explore another lender or local market

Report Card

First National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+92.5 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

73 loans · 0.93% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

56 loans · 0.82% above market

Sound

Top 60% of lenders

3/5

Refinance

19 loans · 1.18% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Mediocre	Strong	73	97.3%	+0.925%Above	$250Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume73

Mix97.3%

Spread

+0.925%Above

Fees

$250Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	56	74.7%	+0.824%Above	$263Fees
Refinance	Sound	Acceptable	—	Strong	19	25.3%	+1.183%Above	$217Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume56

Mix74.7%

Spread

+0.824%Above

Fees

$263Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume19

Mix25.3%

Spread

+1.183%Above

Fees

$217Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

101

Volume

$18 million

Pricing & Closing

Avg Rate Spread

+0.925%

vs. market APOR

Avg Net Fees

$250

Origination − Credits

Pullthrough Rate

74.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$241,667

Avg Borrower Income

$112,560

Avg Property Value

$337,800

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

5Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest1

South4

ARFLTNTX

Top Metro Areas by Place Specialization Score

Jonesboro, ARMetro

Volume 23Mix 30.67% of portfolio

73/100

Strong

Top States by Place Specialization Score

ArkansasState

Volume 68Mix 90.67% of portfolio

68/100

Strong

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.