# First National Bank

> **Canonical URL:** https://saferate.com/lenders/first-national-bank-al


> **📋 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


First National Bank is a bank, headquartered in Hamilton, AL, serving borrowers across 2 states, with 52 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300OWLJ3NG26J9N79
- **Headquarters:** Hamilton, AL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AL, TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 52
- **Dollar Volume:** $7 million
- **Applications Received:** 60
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $133,846
- **Average Borrower Income:** $98,596
- **Average Property Value:** $199,423

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 52 | +1.745% | $1,137 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 30 loans, Score: 22/100 (Acceptable)
- Refinance: 22 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 30 | $4M | +1.529% | Acceptable 🙂 |
| Refinance | 32/100 | 22 | $3M | +1.962% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 51 | 0.09% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 40 | 51/100 |

## Frequently Asked Questions

### What loan types does First National Bank offer?

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

### Where does First National Bank offer mortgages?

First National Bank offers mortgages in 2 states: AL, TN.

### What type of lender is First National Bank?

First National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Hamilton, AL.

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

First National Bank has a pull-through score of 44/100 (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/first-national-bank-al

### How to Cite

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

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