# First National Bank

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


> **📋 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 Paragould, AR, serving borrowers across 5 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 89% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493003EW6T31TGECO83
- **Headquarters:** Paragould, AR
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, FL, MO, TN, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 11/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.925%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $250
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $18 million
- **Applications Received:** 101
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $241,667
- **Average Borrower Income:** $112,560
- **Average Property Value:** $337,800

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 73 | +0.925% | $250 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 54 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 56 | $16M | +0.824% | Sound ☺️ |
| Refinance | 32/100 | 19 | $2M | +1.183% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 68 | 0.21% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 39 | 48/100 |
| Jonesboro, AR | AR | 23 | 73/100 |

## Where This Lender Ranks

First National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Jonesboro, AR Banks
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks)
- 🏆 **#12** in Jonesboro, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/conventional-loans)

## 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 5 states: AR, FL, MO, TN, TX.

### How competitive are First National Bank's mortgage rates?

First National Bank has a pricing score of 11/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.925% above market average.

### 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 Paragould, AR.

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

First National Bank has a pull-through score of 41/100 (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-ar

### How to Cite

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

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