First National Bank
First National Bank received 131 applications in 2025 and made 97 mortgages, in 23 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $405,000. Of 117 decisions, 17 were denials — 14.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300N34GCCEN8EJE06 |
|---|---|
| Applications received | 131 |
| Mortgages made | 97 |
| Denied | 17 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.111 points |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 79 | 6.625% | $415,000 | 13.8% |
| Refinancing | 16 | 6.500% | $335,000 | 10.5% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 50.0% |
Where First National Bank lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tarrant County, TX | 19 | 6.625% | 5.0% |
| Wichita County, TX | 14 | 6.563% | 12.5% |
| Dallas County, TX | 9 | Under 10 loans | 0.0% |
| Wise County, TX | 9 | Under 10 loans | 30.8% |
| Hood County, TX | 7 | Under 10 loans | 0.0% |
| Archer County, TX | 5 | Under 10 loans | 28.6% |
| Denton County, TX | 5 | Under 10 loans | 44.4% |
| Johnson County, TX | 5 | Under 10 loans | 0.0% |
| Parker County, TX | 5 | Under 10 loans | 28.6% |
| Collin County, TX | 4 | Under 10 loans | 0.0% |
| Ellis County, TX | 3 | Under 10 loans | 25.0% |
| Hunt County, TX | 3 | Under 10 loans | 0.0% |
| McCurtain County, OK | 2 | Under 10 loans | 0.0% |
| Henderson County, TX | 2 | Under 10 loans | 0.0% |
| Lincoln County, NM | 1 | Under 10 loans | 0.0% |
| Clay County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Taylor County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 0 | Under 10 loans | 100.0% |
| Jack County, TX | 0 | Under 10 loans | Not published |
| Palo Pinto County, TX | 0 | Under 10 loans | Not published |
| Somervell County, TX | 0 | Under 10 loans | 0.0% |
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When First 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.