Average User Rating:1 star rating based on 2 reviews.
The First National Bank of Layton
The First National Bank of Layton Locations| 12 South Main Street Layton, UT 84041 801-544-4241 www.fnbutah.com  |
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The First National Bank of Layton is headquartered in Layton and is the 32nd largest bank in the state of Utah. It is also the 2,522nd largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 390 employees at 8 locations. The First National Bank of Layton has a 3-star health rating.
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Rates updated: 5/27/2012
Data for Q1 2012
Institution Statistics
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Institution Health
Overall Score:
3 out of 5 
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What A Joke
- FhaCustomer - Wednesday, April 4, 2012 - 12:04 AMI worked with First National Bank on a Mortgage. The Loan Officer and Underwritter kept asking for the same paperwork over and over. They needed paystubs for over 6 weeks because they were so slow in underwriting.
I talked to the "Manager" Monica who gave me the run around more than my loan officer did. I kept calling branches and was given the name of Jonathan Pocock. I left 5 messages and never got a return call. What a terrible experience. Go anywhere else but First national bank of layton.
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I personally recommend anyone but First National Bank for your mortgage loan. I had the worst experience. A friend recommended them, which he apologized for later, and so I went in to get things started. I was told, "If anyone can get you done, we can." We got everything going and after a week and a half, I followed up to see how things were going. I was told, "Everything looks good. We should close this week." And nothing. I waited another week and called back to see how things were going and was told, "I had my underwriter look at it and she said everything looks good, we should close by the end of the week." And...nothing. This goes on for a month. I call again and she tells me, "Well we may need a co-signer, my underwriter is going to look at it." Ummm I thought she already did, at least three times before. But as anyone would guess, may need means you do need. So I go to Wells Fargo. They had me approved in a week. :) A month later I get a bill from First National saying I owe them $400.00 for an appraisal. So I call my loan officer and ask him about it. He asks me why would they do an appraisal before they had you approved? So I go to pay the bill (because it will apparently go to collections if I don't and you can't have that if your closing on a home) and ask why. They told me, "We never approve a construction loan without an appraisal." Makes sense, but why not get everything "looking good" first so all you have left to finalize a loan is the appraisal? That makes more sense, right? All in all, it was a horrible experience, I felt like no one knew what they were doing and it wasted a month and a half of building time and $400.00 for an unnecessary appraisal. Please stay away from First National Bank. It's a waste of your time and money.