# The First National Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/the-first-national-bank-and-trust


> **📋 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


The First National Bank and Trust Company is a bank, headquartered in Beloit, WI, serving borrowers across 3 states, with 184 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001SSNVCONGBH947
- **Headquarters:** Beloit, WI
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IL, IN, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.390%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,139
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 184
- **Dollar Volume:** $46 million
- **Applications Received:** 230
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $252,174
- **Average Borrower Income:** $132,853
- **Average Property Value:** $363,207

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 180 | +0.390% | $1,143 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 142 loans, Score: 56/100 (Sound)
- Refinance: 38 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 145 | $38M | +0.360% | Sound ☺️ |
| Refinance | 55/100 | 39 | $9M | +0.496% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 136 | 0.21% | 73/100 |
| IL | 47 | 0.04% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Janesville | WI | 73 | 85/100 |
| Non |  | 47 | 47/100 |
| Rockford, IL | IL | 36 | 66/100 |
| Madison, WI | WI | 15 | 49/100 |

## Where This Lender Ranks

The First National Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Janesville Banks
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks)
- 🏆 **#9** in Janesville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Rockford, IL Banks
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks)
- 🏆 **#13** in Rockford, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Janesville
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders)
- 🏆 **#19** in Rockford, IL
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders)
- 🏆 **#20** in Janesville for Conventional Loans
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does The First National Bank and Trust Company offer?

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

### Where does The First National Bank and Trust Company offer mortgages?

The First National Bank and Trust Company offers mortgages in 3 states: IL, IN, WI.

### How competitive are The First National Bank and Trust Company's mortgage rates?

The First National Bank and Trust Company has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.390% above market average.

### What type of lender is The First National Bank and Trust Company?

The First National Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Beloit, WI.

### What is The First National Bank and Trust Company's loan approval success rate?

The First National Bank and Trust Company has a pull-through score of 58/100 (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/the-first-national-bank-and-trust

### How to Cite

> "The First National Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-first-national-bank-and-trust

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