First National Bank of Central Texas mortgage approval rate & lending review
First National Bank of Central Texas decided 321 mortgage applications and funded 301 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank of Central Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank of Central Texas at a glance
Approval is 10.4 points above the 83.7% 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 | 90% | 102 / 113 | 99% | $295K | 101 |
| Refinance | 78% | 25 / 32 | 100% | $225K | 25 |
| Investment property purchase | 100% | 108 / 108 | 100% | $145K | 108 |
| Investment refinance | 100% | 57 / 57 | 100% | $125K | 57 |
First National Bank of Central Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 94% | $145K | 319 | 299 |
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 of Central Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Mortgage lenders | 90% | 79 | 70 |
| McLennan County, TX | Investment property purchase | 100% | 68 | 68 |
| McLennan County, TX | Investment refinance | 100% | 41 | 41 |
| Brazos County, TX | Investment property purchase | 100% | 27 | 27 |
| McLennan County, TX | Refinance | 76% | 29 | 22 |
The county markets where First National Bank of Central Texas made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank of Central Texas
What is First National Bank of Central Texas's mortgage approval rate?
First National Bank of Central Texas approved 94.1% of the 321 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank of Central Texas offers?
Borrowers accepted 100% of the loans First National Bank of Central Texas 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 of Central Texas make?
The typical home purchase mortgage loan First National Bank of Central Texas made was $295K; across all loan types its typical loan ran from $125K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank of Central Texas lend?
First National Bank of Central Texas decided applications in 3 of the states Fat Boy Data covers, most of them in Texas, Montana and Nebraska.
Can I apply to First National Bank of Central Texas directly?
Yes. First National Bank of Central Texas is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank of Central Texas'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 of Central Texas treats applications, then get a rate quote from the lender.