What loan types does The First National Bank and Trust Company offer?

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

Where does The First National Bank and Trust Company offer mortgages?

The First National Bank and Trust Company offers mortgages in 3 states: IL, IN, WI.

How competitive are The First National Bank and Trust Company's mortgage rates?

The First National Bank and Trust Company has an overall pricing score of 58.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The First National Bank and Trust Company?

The First National Bank and Trust Company is a Bank headquartered in Beloit, WI.

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The First National Bank and Trust Company

Bank•Beloit, WIHQ•Direct•Reviews near you on Google

The First National Bank and Trust Company has 184 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Explore another lender or local market

Report Card

The First National Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+39.0 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

180 loans · 0.39% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

145 loans · 0.36% above market

Sound

Top 60% of lenders

3/5

Refinance

39 loans · 0.50% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 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	Strong	Sound	Sound	Strong	180	97.8%	+0.390%Above	$1,143Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume180

Mix97.8%

Spread

+0.390%Above

Fees

$1,143Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	145	78.8%	+0.360%Above	$1,101Fees
Refinance	Strong	Sound	Sound	Strong	39	21.2%	+0.496%Above	$1,274Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume145

Mix78.8%

Spread

+0.360%Above

Fees

$1,101Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume39

Mix21.2%

Spread

+0.496%Above

Fees

$1,274Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

184

Applications

230

Volume

$46 million

Pricing & Closing

Avg Rate Spread

+0.390%

vs. market APOR

Avg Net Fees

$1,139

Origination − Credits

Pullthrough Rate

80.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$252,174

Avg Borrower Income

$132,853

Avg Property Value

$363,207

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

3Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest3

ILINWI

Top Metro Areas by Place Specialization Score

Janesville, WIMetro

Volume 73Mix 39.67% of portfolio

85/100

Exceptional

Rockford, ILMetro

Volume 36Mix 19.57% of portfolio

66/100

Strong

Madison, WIMetro

Volume 15Mix 8.15% of portfolio

49/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 136Mix 73.91% of portfolio

73/100

Strong

IllinoisState

Volume 47Mix 25.54% of portfolio

58/100

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.