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 score and performance metrics.

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 an overall pricing score of 50.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First National Bank?

First National Bank is a Bank headquartered in Wichita Falls, TX.

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First National Bank

Bank•Wichita Falls, TXHQ•Direct•Reviews near you on Google

First National Bank has 128 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · Jumbo

Place

Sound

3/5

Regional · 3 mkts

Explore another lender or local market

Report Card

First National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+13.0 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	85	66.4%	+0.137%Above	$2,545Fees
FHA Loans	Sound	Sound	—	—	11	8.6%	+0.230%Above	$1,613Fees
Jumbo Loans	Strong	Strong	—	Strong	27	21.1%	+0.395%Above	$5,355Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume85

Mix66.4%

Spread

+0.137%Above

Fees

$2,545Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix8.6%

Spread

+0.230%Above

Fees

$1,613Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume27

Mix21.1%

Spread

+0.395%Above

Fees

$5,355Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Sound	102	79.7%	+0.132%Above	$2,520Fees
Refinance	Sound	Acceptable	Sound	Sound	26	20.3%	+0.123%Above	$2,524Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume102

Mix79.7%

Spread

+0.132%Above

Fees

$2,520Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume26

Mix20.3%

Spread

+0.123%Above

Fees

$2,524Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

128

Applications

166

Volume

$80 million

Pricing & Closing

Avg Rate Spread

+0.130%

vs. market APOR

Avg Net Fees

$2,521

Origination − Credits

Pullthrough Rate

77.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$626,562

Avg Borrower Income

$343,961

Avg Property Value

$851,250

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South4

ALOKTXVA

West1

Top Metro Areas by Place Specialization Score

Fort Worth, TXMetro

Volume 61Mix 47.66% of portfolio

70/100

Strong

Dallas, TXMetro

Volume 35Mix 27.34% of portfolio

58/100

Sound

Wichita Falls, TXMetro

Volume 13Mix 10.16% of portfolio

51/100

Sound

Top States by Place Specialization Score

TexasState

Volume 120Mix 93.75% of portfolio

66/100

Strong

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.