West Texas National Bank
West Texas National Bank received 125 applications in 2025 and made 85 mortgages, in 38 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 112 decisions, 23 were denials — 20.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ALAL7EW71UE133 |
|---|---|
| Applications received | 125 |
| Mortgages made | 85 |
| Denied | 23 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 25 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: West Texas National Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | Not published | $275,000 | 16.7% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 10 | Not published | $115,000 | 21.4% |
| Other purposes | 16 | Not published | $80,000 | 32.1% |
Where West Texas National Bank lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lubbock County, TX | 13 | Not published | 0.0% |
| Gaines County, TX | 10 | Not published | 35.3% |
| Midland County, TX | 10 | Not published | 25.0% |
| Hale County, TX | 9 | Under 10 loans | 0.0% |
| Ector County, TX | 8 | Under 10 loans | 33.3% |
| Floyd County, TX | 6 | Under 10 loans | 14.3% |
| Brewster County, TX | 4 | Under 10 loans | 0.0% |
| Crosby County, TX | 3 | Under 10 loans | 0.0% |
| Reeves County, TX | 3 | Under 10 loans | 62.5% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Lea County, NM | 1 | Under 10 loans | 0.0% |
| Andrews County, TX | 1 | Under 10 loans | 0.0% |
| Baylor County, TX | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Coke County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Howard County, TX | 1 | Under 10 loans | 0.0% |
| Jeff Davis County, TX | 1 | Under 10 loans | 0.0% |
| Lamb County, TX | 1 | Under 10 loans | 0.0% |
| Nolan County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Scurry County, TX | 1 | Under 10 loans | 0.0% |
| Stephens County, TX | 1 | Under 10 loans | 0.0% |
| Tom Green County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Yoakum County, TX | 1 | Under 10 loans | 0.0% |
| Summit County, CO | 0 | Under 10 loans | Not published |
| Walton County, FL | 0 | Under 10 loans | Not published |
| Benzie County, MI | 0 | Under 10 loans | 0.0% |
| Collin County, TX | 0 | Under 10 loans | Not published |
| Denton County, TX | 0 | Under 10 loans | Not published |
| Harris County, TX | 0 | Under 10 loans | Not published |
| Martin County, TX | 0 | Under 10 loans | 100.0% |
| Pecos County, TX | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
| Campbell County, WY | 0 | Under 10 loans | Not published |
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When West Texas 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.