Lender in Texas · HMDA 2025
First National Bank Texas mortgages in Texas
First National Bank Texas's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First National Bank Texas originated 978 owner-occupied single-family loans in Texas from 1,010 completed applications.
Its median conventional purchase loan costs were $6,010 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
978
of 1,010 applications
Denial rate
2.7%
Purchase · TX 10.2%
Rate spread
+0.25 pts
Conv. · TX +0.09 pts
Loan amount
$235,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 966 | 940 | 2.7% | 6.500% | +0.25 pts | $6,010 | $235,000 |
| Refinance | 44 | 38 | 13.6% | 6.875% | +0.24 pts | $6,300 | $205,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where First National Bank Texas ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Howard County | 1 | 28 | 9.9% |
| Duval County | 1 | 2 | 10.5% |
| Jim Wells County | 2 | 23 | 11.6% |
| Dallam County | 2 | 4 | 7.8% |
| Swisher County | 3 | 3 | 4.8% |
| Bell County | 5 | 314 | 4.3% |
| Moore County | 5 | 12 | 5.6% |
| Lampasas County | 6 | 13 | 3.5% |
| Coryell County | 7 | 48 | 4.3% |
| Hall County | 7 | 1 | 4.0% |
| Hartley County | 8 | 2 | 3.6% |
| Sherman County | 9 | 1 | 3.3% |
| Potter County | 11 | 26 | 2.7% |
| Winkler County | 11 | 1 | 2.4% |
| El Paso County | 12 | 225 | 2.3% |
| Delta County | 12 | 1 | 1.8% |
| Nueces County | 13 | 78 | 1.9% |
| Kleberg County | 14 | 3 | 1.6% |
| Ochiltree County | 15 | 1 | 1.7% |
| Sabine County | 15 | 1 | 1.3% |
| Stephens County | 15 | 1 | 1.5% |
| Milam County | 18 | 3 | 1.3% |
| Bosque County | 21 | 2 | 1.1% |
| Randall County | 25 | 17 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology