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The First National Bank and Trust Company

Bank•Beloit, WIHQ•Direct•Reviews near you on Google

The First National Bank and Trust Company has 184 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
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

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Report Card

The First National Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+39.0 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
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume180
Mix97.8%
Spread
+0.390%Above
Fees
$1,143Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume145
Mix78.8%
Spread
+0.360%Above
Fees
$1,101Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume39
Mix21.2%
Spread
+0.496%Above
Fees
$1,274Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
184
Applications
230
Volume
$46 million
Pricing & Closing
Avg Rate Spread
+0.390%
vs. market APOR
Avg Net Fees
$1,139
Origination − Credits
Pullthrough Rate
80.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$252,174
Avg Borrower Income
$132,853
Avg Property Value
$363,207

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILINWI

Top Metro Areas by Place Specialization Score

1© Michael Barera · CC BY-SA 4.0
Janesville, WIMetro
Volume 73Mix 39.67% of portfolio
85/100
Exceptional
2© Ben Jacobson (Kranar Drogin) · CC BY 2.5
Rockford, ILMetro
Volume 36Mix 19.57% of portfolio
66/100
Strong
3© Alex Cohn · CC BY-SA 4.0
Madison, WIMetro
Volume 15Mix 8.15% of portfolio
49/100
Sound

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 136Mix 73.91% of portfolio
73/100
Strong
Illinois
Illinois
2
IllinoisState
Volume 47Mix 25.54% of portfolio
58/100
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.