First National Bank of Central Texas
First National Bank of Central Texas received 157 applications in 2025 and made 141 mortgages, in 16 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $205,000. Of 150 decisions, 8 were denials — 5.3%.
| Legal Entity Identifier | 549300B3LJV7BU7IY610 |
|---|---|
| Applications received | 157 |
| Mortgages made | 141 |
| Denied | 8 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank of Central Texas, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 86 | Not published | $245,000 | 4.4% |
| Refinancing | 51 | Not published | $165,000 | 7.3% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where First National Bank of Central Texas lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McLennan County, TX | 89 | Not published | 6.3% |
| Brazos County, TX | 15 | Not published | 0.0% |
| Coryell County, TX | 10 | Not published | 0.0% |
| Hill County, TX | 9 | Under 10 loans | 10.0% |
| Bell County, TX | 4 | Under 10 loans | 0.0% |
| Limestone County, TX | 3 | Under 10 loans | 0.0% |
| Falls County, TX | 2 | Under 10 loans | 0.0% |
| Burleson County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 50.0% |
| Madison County, TX | 1 | Under 10 loans | 0.0% |
| Milam County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Taylor County, TX | 1 | Under 10 loans | 0.0% |
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When First National Bank of Central Texas’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.