Lender profile · HMDA 2023–2025
1st National Bank mortgage approval rates & lending data
1st National Bank decided 738 mortgage applications and funded 724 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 98% | $295K | 663 | 652 |
| Kentucky | 98% | $345K | 43 | 42 |
| Indiana | 89% | $205K | 9 | 8 |
| North Carolina | 100% | $405K | 9 | 9 |
| Florida | 100% | $65K | 4 | 4 |
| Michigan | 75% | $185K | 4 | 3 |
| Illinois | 100% | $465K | 1 | 1 |
| New Jersey | 100% | $305K | 1 | 1 |
| Pennsylvania | 100% | $545K | 1 | 1 |
| South Carolina | 100% | $675K | 1 | 1 |
| Tennessee | 100% | $365K | 1 | 1 |
| Virginia | 100% | $385K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.