First National Bank Texas: 2025 mortgage rates, costs & approvals
How First National Bank Texas priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First National Bank Texas · LEI 5493006KQF5UKZ3Y9N07
In 2025, First National Bank Texas originated 1,086 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 23 states — 429th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 12 basis points above the national median. Median conventional loan costs were $6,130, 10% higher than the national median ($5,570).
It denied 2.5% of completed home-purchase applications (all lenders: 8.5%).
How First National Bank Texas priced home-purchase loans
| Purchase loans, 2025 | First National Bank Texas | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.124% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.25 pts | +0.13 pts |
| Total loan costs · conventional | $6,130 | $5,570 |
| Total loan costs · FHA | $10,530 | $11,310 |
| Total loan costs · VA | $5,700 | $6,490 |
| Origination charges (all types) | $2,700 | $1,860 |
| Borrowers paying discount points | 56.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.98% | 0.87% |
| Borrowers receiving lender credits | 34.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why First National Bank Texas denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where First National Bank Texas lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 978 | 1,010 | 2.7% | 6.500% | $6,010 |
| Arizona | 41 | 43 | 0.0% | — | — |
| Ohio | 16 | 16 | — | — | — |
| New Mexico | 13 | 13 | — | — | — |
| Michigan | 7 | 7 | — | — | — |
| Florida | 4 | 4 | — | — | — |
| Arkansas | 3 | 3 | — | — | — |
| Georgia | 3 | 3 | — | — | — |
| Oklahoma | 3 | 3 | — | — | — |
| Washington | 3 | 3 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Illinois | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
| New Jersey | 1 | 1 | — | — | — |
| Nevada | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First National Bank Texas's page for that state.
Counties where First National Bank Texas is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cimarron County, OK | 1 | 1 | 50.0% |
| Jim Wells County, TX | 2 | 23 | 11.6% |
| Duval County, TX | 1 | 2 | 10.5% |
| Howard County, TX | 1 | 28 | 9.9% |
| Dallam County, TX | 2 | 4 | 7.8% |
| Moore County, TX | 5 | 12 | 5.6% |
| Swisher County, TX | 3 | 3 | 4.8% |
| Coryell County, TX | 7 | 48 | 4.3% |
| Bell County, TX | 5 | 314 | 4.3% |
| Hall County, TX | 7 | 1 | 4.0% |
| Hartley County, TX | 8 | 2 | 3.6% |
| Lampasas County, TX | 6 | 13 | 3.5% |
| Sherman County, TX | 9 | 1 | 3.3% |
| Potter County, TX | 11 | 26 | 2.7% |
| Winkler County, TX | 11 | 1 | 2.4% |
Check First National Bank Texas yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493006KQF5UKZ3Y9N07.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First National Bank Texas with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology