First National Bank
First National Bank received 110 applications in 2025 and made 80 mortgages, in 14 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $190,000. Of 88 decisions, 8 were denials — 9.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930035C68SRQ1RS395 |
|---|---|
| Applications received | 110 |
| Mortgages made | 80 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | Not published | $220,000 | 3.0% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Cash-out refinancing | 38 | Not published | $130,000 | 11.6% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 33.3% |
Where First National Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Putnam County, IN | 29 | Not published | 19.4% |
| Johnson County, IN | 12 | Not published | 0.0% |
| Owen County, IN | 12 | Not published | 7.7% |
| Hendricks County, IN | 7 | Under 10 loans | 0.0% |
| Morgan County, IN | 6 | Under 10 loans | 0.0% |
| Clay County, IN | 4 | Under 10 loans | 0.0% |
| Marion County, IN | 3 | Under 10 loans | 0.0% |
| Parke County, IN | 2 | Under 10 loans | 0.0% |
| Macon County, IL | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Shelby County, IN | 1 | Under 10 loans | 0.0% |
| Sullivan County, IN | 1 | Under 10 loans | 0.0% |
| Vigo County, IN | 1 | Under 10 loans | 0.0% |
| Clark County, IN | 0 | Under 10 loans | Not published |
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When First National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.