First-Lockhart National Bank
First-Lockhart National Bank received 64 applications in 2025 and made 48 mortgages, in 21 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $240,000. Of 52 decisions, 2 were denials — 3.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RZIWJWJ035S336 |
|---|---|
| Applications received | 64 |
| Mortgages made | 48 |
| Denied | 2 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 15 | Not published | $255,000 | 0.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 14 | Not published | $275,000 | 6.7% |
| Other purposes | 16 | Not published | $125,000 | 5.6% |
Where First-Lockhart National Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Caldwell County, TX | 16 | Not published | 5.9% |
| Travis County, TX | 10 | Not published | 0.0% |
| Hays County, TX | 4 | Under 10 loans | 0.0% |
| Gillespie County, TX | 3 | Under 10 loans | 0.0% |
| Gonzales County, TX | 2 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 2 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| Atascosa County, TX | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 50.0% |
| Blanco County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 0.0% |
| Fayette County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Llano County, TX | 1 | Under 10 loans | 0.0% |
| Washington County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Brown County, TX | 0 | Under 10 loans | Not published |
| Calhoun County, TX | 0 | Under 10 loans | Not published |
| Galveston County, TX | 0 | Under 10 loans | Not published |
| Lavaca County, TX | 0 | Under 10 loans | Not published |
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When First-Lockhart National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.