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First National Bank Texas

Bank•Killeen, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First National Bank Texas — 820 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Strong
4/5
Near-National · 7 mkts
Safe Rate Awards
VA Champion
VA
Champion
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

First National Bank Texas performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+2.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 10% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume118
Mix14.4%
Spread
+0.539%Above
Fees
$2,563Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume359
Mix43.8%
Spread
+0.199%Above
Fees
$2,277Fees
VA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Exceptional
Volume343
Mix41.8%
Spread
-0.650%Below
Fees
$750Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume787
Mix96.0%
Spread
+0.016%Above
Fees
$1,881Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume33
Mix4.0%
Spread
+0.094%Above
Fees
$2,229Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
820
Applications
1,030
Volume
$238 million
Pricing & Closing
Avg Rate Spread
+0.020%
vs. market APOR
Avg Net Fees
$1,899
Origination − Credits
Pullthrough Rate
79.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$290,366
Avg Borrower Income
$111,943
Avg Property Value
$319,561

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

26
26 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MENYPA
Midwest6
INKSMIMOOHWI
South10
ALARFLGAKYNCOKSCTNTX
West7
AZCACONMNVUTWA

Top Metro Areas by Place Specialization Score

1© Billy Hathorn · CC BY-SA 3.0
Killeen, TXMetro
Volume 359Mix 43.78% of portfolio
97/100
Exceptional
2© Thomas Vogt · CC BY 4.0
El Paso, TXMetro
Volume 254Mix 30.98% of portfolio
89/100
Exceptional
3© No machine-readable author provided. Billy Hathorn assumed · CC BY-SA 3.0
Waco, TXMetro
Volume 21Mix 2.56% of portfolio
56/100
Sound
4© Larry D. Moore · CC BY 4.0
Corpus Christi, TXMetro
Volume 21Mix 2.56% of portfolio
53/100
Sound
5© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 29Mix 3.54% of portfolio
50/100
Sound
6© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 12Mix 1.46% of portfolio
41/100
Sound
7© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 12Mix 1.46% of portfolio
39/100
Acceptable

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 750Mix 91.46% of portfolio
81/100
Exceptional
Arizona
Arizona
2
ArizonaState
Volume 31Mix 3.78% of portfolio
50/100
Sound
New Mexico
New Mexico
3
New MexicoState
Volume 11Mix 1.34% of portfolio
41/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.