# First Southern National Bank

> **Canonical URL:** https://saferate.com/lenders/first-southern-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


First Southern National Bank is a bank, headquartered in Lancaster, KY, serving borrowers across 5 states, with 131 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C853H86L248593
- **Headquarters:** Lancaster, KY
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** GA, KY, TN, TX, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.344%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,458
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 131
- **Dollar Volume:** $32 million
- **Applications Received:** 154
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $246,450
- **Average Borrower Income:** $132,901
- **Average Property Value:** $407,901

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 123 | +0.347% | $1,442 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 34/100 (Acceptable)
- Refinance: 43 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 87 | $25M | +0.273% | Acceptable 🙂 |
| Refinance | 45/100 | 44 | $7M | +0.430% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 126 | 0.27% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 102 | 61/100 |
| Bowling Green, KY | KY | 11 | 47/100 |

## Where This Lender Ranks

First Southern National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Bowling Green, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

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

First Southern 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 Southern National Bank offer mortgages?

First Southern National Bank offers mortgages in 5 states: GA, KY, TN, TX, VA.

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

First Southern National Bank has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.344% above market average.

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

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

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

First Southern National Bank has a pull-through score of 59/100 (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-southern-national-bank

### How to Cite

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

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