The First National Bank of Winnsboro
The First National Bank of Winnsboro received 32 applications in 2025 and made 23 mortgages, in 7 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $105,000. Of 29 decisions, 6 were denials — 20.7%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300P3IKHVYBR1E510 |
|---|---|
| Applications received | 32 |
| Mortgages made | 23 |
| Denied | 6 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of Winnsboro, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | Not published | $110,000 | 7.7% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 33.3% |
Where The First National Bank of Winnsboro lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wood County, TX | 12 | Not published | 25.0% |
| Franklin County, TX | 4 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 33.3% |
| Smith County, TX | 2 | Under 10 loans | 0.0% |
| Delta County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Hopkins County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When The First National Bank of Winnsboro’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.