First National Bank Texas
First National Bank Texas received 1,564 applications in 2025 and made 1,212 mortgages, in 148 counties across 24 states. The median rate its borrowers got was 6.375% on a median loan of $235,000. Of 1,262 decisions, 48 were denials — 3.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006KQF5UKZ3Y9N07 |
|---|---|
| Applications received | 1,564 |
| Mortgages made | 1,212 |
| Denied | 48 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 302 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2565 points |
| FDIC-insured bank | Yes: First National Bank Texas, 358 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,089 | 6.250% | $245,000 | 2.6% |
| Refinancing | 85 | 6.625% | $215,000 | 12.1% |
| Other purposes | 38 | 7.165% | $55,000 | 15.6% |
Where First National Bank Texas lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bell County, TX | 346 | 6.250% | 1.1% |
| El Paso County, TX | 245 | 6.250% | 6.5% |
| Nueces County, TX | 80 | 6.490% | 2.4% |
| Coryell County, TX | 58 | 6.250% | 0.0% |
| Maricopa County, AZ | 40 | 6.500% | 4.8% |
| McLennan County, TX | 33 | 6.375% | 0.0% |
| Howard County, TX | 30 | 6.875% | 3.2% |
| Potter County, TX | 26 | 6.495% | 3.7% |
| Jim Wells County, TX | 25 | 6.490% | 3.9% |
| Dallas County, TX | 21 | 6.250% | 8.3% |
| Midland County, TX | 19 | 6.624% | 5.0% |
| Randall County, TX | 18 | 6.688% | 0.0% |
| Lampasas County, TX | 16 | 6.495% | 5.9% |
| Tarrant County, TX | 16 | 6.370% | 15.8% |
| Moore County, TX | 12 | 6.313% | 0.0% |
| Williamson County, TX | 10 | 6.188% | 0.0% |
| Doña Ana County, NM | 9 | Under 10 loans | 0.0% |
| Montgomery County, TX | 8 | Under 10 loans | 27.3% |
| Travis County, TX | 8 | Under 10 loans | 0.0% |
| San Patricio County, TX | 7 | Under 10 loans | 12.5% |
| Montgomery County, OH | 6 | Under 10 loans | 0.0% |
| Denton County, TX | 6 | Under 10 loans | 14.3% |
| Harris County, TX | 6 | Under 10 loans | 25.0% |
| Clark County, OH | 5 | Under 10 loans | 0.0% |
| Kaufman County, TX | 5 | Under 10 loans | 16.7% |
| Brazos County, TX | 4 | Under 10 loans | 0.0% |
| Dallam County, TX | 4 | Under 10 loans | 0.0% |
| Kleberg County, TX | 4 | Under 10 loans | 0.0% |
| Lubbock County, TX | 4 | Under 10 loans | 0.0% |
| Pinal County, AZ | 3 | Under 10 loans | 0.0% |
| Manistee County, MI | 3 | Under 10 loans | 0.0% |
| Bexar County, TX | 3 | Under 10 loans | 25.0% |
| Cameron County, TX | 3 | Under 10 loans | 25.0% |
| Ellis County, TX | 3 | Under 10 loans | 0.0% |
| Milam County, TX | 3 | Under 10 loans | 0.0% |
| Swisher County, TX | 3 | Under 10 loans | 0.0% |
| Tom Green County, TX | 3 | Under 10 loans | 0.0% |
| Saline County, AR | 2 | Under 10 loans | 0.0% |
| Prince George's County, MD | 2 | Under 10 loans | 0.0% |
| Bay County, MI | 2 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 2 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Angelina County, TX | 2 | Under 10 loans | 0.0% |
| Bastrop County, TX | 2 | Under 10 loans | 0.0% |
| Bosque County, TX | 2 | Under 10 loans | 33.3% |
| Duval County, TX | 2 | Under 10 loans | 0.0% |
| Ector County, TX | 2 | Under 10 loans | 0.0% |
| Galveston County, TX | 2 | Under 10 loans | 0.0% |
| Grayson County, TX | 2 | Under 10 loans | 0.0% |
| Hartley County, TX | 2 | Under 10 loans | 0.0% |
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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.