# First National Bank

> **Canonical URL:** https://saferate.com/lenders/first-national-bank-tx


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First National Bank is a bank, headquartered in Wichita Falls, TX, serving borrowers across 5 states, with 128 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300N34GCCEN8EJE06
- **Headquarters:** Wichita Falls, TX
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, NM, OK, TX, VA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.130%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,521
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 128
- **Dollar Volume:** $80 million
- **Applications Received:** 166
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $626,562
- **Average Borrower Income:** $343,961
- **Average Property Value:** $851,250

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 85 | +0.137% | $2,545 | Sound ☺️ |
| FHA | 48/100 | 11 | +0.230% | $1,613 | Sound ☺️ |
| Jumbo | 71/100 | 27 | +0.395% | $5,355 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 63 loans, Score: 29/100 (Acceptable)
- Refinance: 22 loans, Score: 35/100 (Acceptable)

**Jumbo:**
- Purchase: 24 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 102 | $66M | +0.132% | Acceptable 🙂 |
| Refinance | 37/100 | 26 | $14M | +0.123% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 120 | 0.03% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Worth | TX | 61 | 70/100 |
| Dallas | TX | 35 | 58/100 |
| Wichita Falls, TX | TX | 13 | 51/100 |
| Non |  | 11 | 26/100 |

## Where This Lender Ranks

First National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Wichita Falls, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Wichita Falls, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does First National Bank offer?

First National Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First National Bank offer mortgages?

First National Bank offers mortgages in 5 states: AL, NM, OK, TX, VA.

### How competitive are First National Bank's mortgage rates?

First National Bank has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.130% above market average.

### What type of lender is First National Bank?

First National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wichita Falls, TX.

### What is First National Bank's loan approval success rate?

First National Bank has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-national-bank-tx

### How to Cite

> "First National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-national-bank-tx

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