The First National Bank and Trust Company closing costs and rates (2024)
In 2024, The First National Bank and Trust Company originated 142 purchase mortgages at a median interest rate of 6.69% and median total closing costs of $3,210. That is $3,531 below the national median of $6,741. The First National Bank and Trust Company is most active in Wisconsin with 103 originations there.
Purchase Originations
142
Median Total Costs
$3,210
−52.4% vs national ($6,741)
Median Rate
6.688%
+1.0% vs national (6.620%)
Median Origination
$958
Median Lender Credits
$67
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 141 | 6.750% | $3,209 | $958 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,038 | 7.625% | — | 1 | −$1,172 | |
| 2 | $2,366 | 6.875% | — | 1 | −$844 | |
| 3 | $2,416 | 8.125% | — | 3 | −$794 | |
| 4 | $2,739 | 6.875% | — | 2 | −$471 | |
| 5 | $2,847 | 6.500% | — | 1 | −$363 | |
| 6 | $2,985 | 7.125% | — | 1 | −$225 | |
| 7 | $3,166 | 6.625% | — | 56 | −$44 | |
| 8 | $3,234 | 7.062% | — | 26 | +$24 | |
| 9 | $3,244 | 7.500% | — | 3 | +$34 | |
| 10 | $3,270 | 6.625% | — | 9 | +$60 | |
| 11 | $3,342 | 6.875% | — | 21 | +$132 | |
| 12 | $3,399 | 6.625% | — | 5 | +$189 | |
| 13 | $3,410 | 7.250% | — | 2 | +$200 | |
| 14 | $3,657 | 6.375% | — | 2 | +$447 | |
| 15 | $3,785 | 6.500% | — | 3 | +$575 | |
| 16 | $3,882 | 6.625% | — | 1 | +$672 | |
| 17 | $4,170 | 6.875% | — | 1 | +$960 | |
| 18 | $4,514 | 6.625% | — | 1 | +$1,304 | |
| 19 | $4,708 | 6.625% | — | 1 | +$1,498 | |
| 20 | $5,340 | 7.125% | — | 1 | +$2,130 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.