Ann Wilkinson


I am a senior mortgage originator with First National Bank Kansas. With over 20 years of experience in the mortgage business, I work to educate my clients to determine their best mortgage options, whether they are refinancing or purchasing. I have experiences in servicing mortgages, real estate, and have trained as an underwriter for conventional, FHA and VA mortgage. First National Bank services their own mortgages, which makes our rates and fees very competitive and our programs more flexible.


I owned and operated Millcreek Home Loans from 1997 until 2010. I worked at Argentine Federal Savings and Wells Faro Home Mortgage, prior to joining First National in 2014.

Interesting Fact:

I am a long-time resident of Johnson County, and currently live in Prairie Village. My son, Matthew, serves in the US Army at Fort Carson, CO. I grew up in Iola, Kansas and graduated from Kansas State University.


I enjoy biking and am an active member of Team in Training to raise money for the Leukemia Lymphoma Society. I am also an avid reader, and enjoy snow skiing.

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Lock & Shop Rate Security

Stay safe from higher rates and lock your rate in for 60 or 90 days.1

Mortgage Options

Down Payment Options as Low as 3-5%.

Competitive Rates

Competitive mortgage rates help save you money over the life of your loan.

Dedicated Loan Officer

Let your dedicated mortgage loan officer answer all of your questions and provide peace of mind - start to finish.

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Important Information

1 First National Bank's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15 and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products. Your exact interest rate will depend on the date you lock your rate. In order to obtain this rate, a fully executed purchase agreement must be received by First National Bank within 30 calendar days of a 60 day lock or 60 calendar days of a 90 day lock. You will have the option to extend the due date for the purchase agreement and the rate lock expiration one time by 15 days. In addition, you may exercise a float down in the rate to the current market rate within 7 calendar days of executing a purchase contract. Please contact your loan officer to exercise this float down option. Additional fees, conditions or exclusions may apply. This is neither a commitment to lend nor an approval of the loan inquiry. Any change in rate or fees may affect approval of the loan.


The calculator is provided for your convenience. Calculators are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.