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 score and performance metrics.

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 an overall pricing score of 9.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Southern National Bank?

First Southern National Bank is a Bank headquartered in Lancaster, KY.

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First Southern National Bank

Bank•Lancaster, KYHQ•Direct•Reviews near you on Google

First Southern National Bank has 131 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 1 mkts

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First Southern National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+34.4 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Sound	123	93.9%	+0.347%Above	$1,442Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume123

Mix93.9%

Spread

+0.347%Above

Fees

$1,442Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Sound	87	66.4%	+0.273%Above	$1,799Fees
Refinance	Acceptable	Sound	Mediocre	Strong	44	33.6%	+0.430%Above	$1,048Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume87

Mix66.4%

Spread

+0.273%Above

Fees

$1,799Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume44

Mix33.6%

Spread

+0.430%Above

Fees

$1,048Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

131

Applications

154

Volume

$32 million

Pricing & Closing

Avg Rate Spread

+0.344%

vs. market APOR

Avg Net Fees

$1,458

Origination − Credits

Pullthrough Rate

85.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$246,450

Avg Borrower Income

$132,901

Avg Property Value

$407,901

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South5

GAKYTNTXVA

Top Metro Areas by Place Specialization Score

Bowling Green, KYMetro

Volume 11Mix 8.40% of portfolio

47/100

Sound

Top States by Place Specialization Score

KentuckyState

Volume 126Mix 96.18% of portfolio

76/100

Strong

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.