# 1st National Bank

> **Canonical URL:** https://saferate.com/lenders/1st-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


1st National Bank is a bank, headquartered in Lebanon, OH, serving borrowers across 9 states, with 258 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900Q9V3DYHBRTUH61
- **Headquarters:** Lebanon, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** FL, IL, IN, KY, NC, OH, PA, SC, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.307%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,100
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 258
- **Dollar Volume:** $78 million
- **Applications Received:** 390
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $301,047
- **Average Borrower Income:** $175,682
- **Average Property Value:** $424,884

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 231 | +0.276% | $1,044 | Sound ☺️ |
| FHA | 52/100 | 20 | +0.647% | $1,375 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 177 loans, Score: 47/100 (Sound)
- Refinance: 54 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 202 | $63M | +0.279% | Sound ☺️ |
| Refinance | 49/100 | 56 | $14M | +0.400% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 216 | 0.16% | 74/100 |
| KY | 26 | 0.06% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 186 | 83/100 |
| Non |  | 34 | 40/100 |
| Dayton | OH | 16 | 49/100 |

## Where This Lender Ranks

1st National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Cincinnati, OH Banks
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks)
- 🏆 **#19** in Cincinnati, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does 1st National Bank offer?

1st National Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1st National Bank offer mortgages?

1st National Bank offers mortgages in 9 states: FL, IL, IN, KY, NC, OH, PA, SC, TN.

### How competitive are 1st National Bank's mortgage rates?

1st National Bank has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.307% above market average.

### What type of lender is 1st National Bank?

1st National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lebanon, OH.

### What is 1st National Bank's loan approval success rate?

1st National Bank has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-national-bank

### How to Cite

> "1st National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-national-bank

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