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1st National Bank

Bank•Lebanon, OHHQ•Direct•Reviews near you on Google

1st National Bank has 258 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 2 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

1st National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+30.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume231
Mix89.5%
Spread
+0.276%Above
Fees
$1,044Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume20
Mix7.8%
Spread
+0.647%Above
Fees
$1,375Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume202
Mix78.3%
Spread
+0.279%Above
Fees
$1,240Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume56
Mix21.7%
Spread
+0.400%Above
Fees
$644Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
258
Applications
390
Volume
$77 million
Pricing & Closing
Avg Rate Spread
+0.307%
vs. market APOR
Avg Net Fees
$1,100
Origination − Credits
Pullthrough Rate
66.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$301,047
Avg Borrower Income
$175,682
Avg Property Value
$424,884

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest3
ILINOH
South5
FLKYNCSCTN

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 186Mix 72.09% of portfolio
83/100
Exceptional
2© Warren LeMay · CC BY-SA 2.0
Dayton, OHMetro
Volume 16Mix 6.20% of portfolio
49/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 216Mix 83.72% of portfolio
74/100
Strong
Kentucky
Kentucky
2
KentuckyState
Volume 26Mix 10.08% of portfolio
53/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.