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First National Bank Texas
Bank|Killeen, TX|Near-National
Loans Originated
820
Applications
1,030
Volume
$238 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards💎VA Champion⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.020%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,899
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Report Card
First National Bank Texas performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 8 metro areas · 26 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$290,366
Average Borrower Income
$111,943
Average Property Value
$319,561
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 118 | 14.4% | +0.539% | $2,563 |
FHA Loans | Strong | Strong | Strong | Exceptional | 359 | 43.8% | +0.199% | $2,277 |
VA Loans | Exceptional | Exceptional | Exceptional | Exceptional | 343 | 41.8% | -0.650% | $750 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Exceptional | 787 | 96.0% | +0.016% | $1,881 |
Refinance | Sound | Sound | Acceptable | Sound | 33 | 4.0% | +0.094% | $2,229 |
Geographic Coverage
Metro Areas
7
States Served
26
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOFLGAINKSKYMEMIMONCNMNVNYOHOKPASCTNTXUTWAWI
Top Metro Areas by Place Specialization Score
1
Killeen, TXMSA
Volume: 359Mix: 43.78%
Place Specialization
Exceptional
2
El Paso, TX, TXMSA
Volume: 254Mix: 30.98%
Place Specialization
Exceptional
3
Waco, TX, TXMSA
Volume: 21Mix: 2.56%
Place Specialization
Sound
4
Corpus Christi, TX, TXMSA
Volume: 21Mix: 2.56%
Place Specialization
Sound
5
Phoenix, AZMSA
Volume: 29Mix: 3.54%
Place Specialization
Sound
6
Austin, TXMSA
Volume: 12Mix: 1.46%
Place Specialization
Sound
7
Houston, TXMSA
Volume: 12Mix: 1.46%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
TXState
Volume: 750Mix: 91.46%
Place Specialization
Exceptional
2
AZState
Volume: 31Mix: 3.78%
Place Specialization
Sound
3
NMState
Volume: 11Mix: 1.34%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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