First National Bank (549300) mortgage approval rate & lending review
First National Bank (549300) decided 651 mortgage applications and funded 572 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank (549300) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank (549300) at a glance
Approval is 3.8 points above the 85.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 377 / 429 | 100% | $905K | 376 |
| Refinance | 85% | 51 / 60 | 100% | $745K | 51 |
| Investment property purchase | 98% | 114 / 116 | 95% | $255K | 108 |
First National Bank (549300) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 89% | $905K | 646 | 568 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First National Bank (549300) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tarrant County, TX | Investment property purchase | 100% | 32 | 32 |
| Tarrant County, TX | Refinance | 85% | 33 | 28 |
| Wichita County, TX | Investment property purchase | 100% | 23 | 23 |
| Wichita County, TX | Mortgage lenders | 86% | 22 | 19 |
The county markets where First National Bank (549300) made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank (549300)
What is First National Bank (549300)'s mortgage approval rate?
First National Bank (549300) approved 89.1% of the 651 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.8 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank (549300) offers?
Borrowers accepted 99% of the loans First National Bank (549300) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First National Bank (549300) make?
The typical home purchase mortgage loan First National Bank (549300) made was $905K; across all loan types its typical loan ran from $255K to $905K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank (549300) lend?
First National Bank (549300) decided applications in 5 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and Alabama.
Can I apply to First National Bank (549300) directly?
Yes. First National Bank (549300) is a bank or credit union with 114 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank (549300)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First National Bank (549300) treats applications, then get a rate quote from the lender.