First National Bank Texas mortgage approval rate & lending review
First National Bank Texas decided 2,666 mortgage applications and funded 2,473 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank Texas at a glance
Approval is 6.8 points above the 86.1% 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 | 96% | 2,168 / 2,260 | 100% | $295K | 2,167 |
| Home improvement loans | 53% | 28 / 53 | 100% | $85K | 28 |
| Refinance | 70% | 147 / 210 | 100% | $255K | 147 |
| Investment property purchase | 97% | 96 / 99 | 100% | $175K | 96 |
| Investment refinance | 84% | 36 / 43 | 94% | $195K | 34 |
First National Bank Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $245K | 2,437 | 2,252 |
| Arizona | 96% | $405K | 125 | 120 |
| New Mexico | 88% | $305K | 25 | 22 |
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 Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bell County, TX | Mortgage lenders | 97% | 866 | 843 |
| El Paso County, TX | Mortgage lenders | 95% | 713 | 677 |
| McLennan County, TX | Mortgage lenders | 90% | 127 | 114 |
| Nueces County, TX | Mortgage lenders | 98% | 103 | 101 |
| Bell County, TX | Refinance | 80% | 76 | 61 |
| Bell County, TX | Investment property purchase | 100% | 33 | 33 |
| Potter County, TX | Mortgage lenders | 100% | 30 | 30 |
| Randall County, TX | Mortgage lenders | 100% | 23 | 23 |
| El Paso County, TX | Investment property purchase | 88% | 24 | 21 |
The county markets where First National Bank Texas made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank Texas
What is First National Bank Texas's mortgage approval rate?
First National Bank Texas approved 92.9% of the 2,666 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank Texas offers?
Borrowers accepted 100% of the loans First National Bank 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 Texas make?
The typical home purchase mortgage loan First National Bank Texas made was $295K; across all loan types its typical loan ran from $85K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank Texas lend?
First National Bank Texas decided applications in 30 of the states Fat Boy Data covers, most of them in Texas, Arizona and New Mexico.
Can I apply to First National Bank Texas directly?
Yes. First National Bank Texas is a bank or credit union with 355 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank 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 Texas treats applications, then get a rate quote from the lender.