First National Bank
First National Bank received 910 applications in 2025 and made 722 mortgages, in 17 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $165,000. Of 810 decisions, 80 were denials — 9.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002J7RM1JLAXN553 |
|---|---|
| Applications received | 910 |
| Mortgages made | 722 |
| Denied | 80 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 100 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2975 points |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 303 | 7.000% | $255,000 | 6.7% |
| Refinancing | 111 | 7.500% | $175,000 | 13.0% |
| Cash-out refinancing | 12 | 7.000% | $140,000 | 0.0% |
| Other purposes | 296 | 7.500% | $75,000 | 12.1% |
Where First National Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lincoln County, ME | 206 | 7.500% | 7.9% |
| Knox County, ME | 154 | 7.500% | 14.4% |
| Hancock County, ME | 117 | 7.500% | 7.1% |
| Waldo County, ME | 65 | 7.500% | 7.1% |
| Penobscot County, ME | 59 | 7.500% | 7.7% |
| Washington County, ME | 45 | 7.250% | 16.4% |
| Kennebec County, ME | 27 | 7.500% | 6.7% |
| Sagadahoc County, ME | 14 | 7.500% | 12.5% |
| Cumberland County, ME | 11 | 7.000% | 8.3% |
| Androscoggin County, ME | 5 | Under 10 loans | 0.0% |
| Somerset County, ME | 5 | Under 10 loans | 16.7% |
| Piscataquis County, ME | 4 | Under 10 loans | 20.0% |
| Franklin County, ME | 3 | Under 10 loans | 0.0% |
| Oxford County, ME | 3 | Under 10 loans | 0.0% |
| York County, ME | 3 | Under 10 loans | 0.0% |
| Columbia County, NY | 1 | Under 10 loans | 0.0% |
| Aroostook County, ME | 0 | Under 10 loans | 100.0% |
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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.