Purchase Originations
1,044
Ranked #367 nationally
Median Total Costs
$9,007
+34.8% vs national ($6,680)
↑ $829 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$2,702
Median Lender Credits
$826
Cost Rank (500+ vol.)
#500
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 512 | 6.375% | $10,544 | $3,269 |
| va | 319 | 6.124% | $5,750 | $544 |
| conventional | 203 | 6.490% | $6,117 | $2,498 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 955 | 6.250% | $9,057 | #66 |
| Arizona | 34 | 6.500% | $8,438 | — |
| New Mexico | 13 | 5.990% | $10,324 | — |
| Ohio | 9 | 6.124% | $8,403 | — |
| Florida | 5 | 6.125% | $6,392 | — |
| Arkansas | 3 | 6.125% | $6,283 | — |
| Georgia | 3 | 6.625% | $1,230 | — |
| Michigan | 3 | 6.250% | $8,023 | — |
| Oklahoma | 3 | 6.250% | $6,718 | — |
| Maryland | 2 | 6.562% | $6,862 | — |
| Tennessee | 2 | 5.683% | $9,596 | — |
| Washington | 2 | 5.562% | $16,047 | — |
| Alabama | 1 | 5.625% | $302 | — |
| Illinois | 1 | 7.490% | $6,127 | — |
| Indiana | 1 | 6.625% | $8,890 | — |
| Kansas | 1 | 5.750% | $9,780 | — |
| Kentucky | 1 | 6.125% | $4,838 | — |
| Louisiana | 1 | 6.125% | $8,297 | — |
| Nebraska | 1 | 6.990% | $4,008 | — |
| New Jersey | 1 | 6.250% | $13,282 | — |
| Nevada | 1 | 6.625% | $6,299 | — |
| South Carolina | 1 | 5.750% | $5,980 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,488 | 6.375% | — | 6 | −$3,519 | |
| 2 | $6,963 | 6.000% | — | 15 | −$2,044 | |
| 3 | $7,251 | 6.250% | — | 30 | −$1,756 | |
| 4 | $7,371 | 6.125% | — | 50 | −$1,636 | |
| 5 | $7,669 | 6.490% | — | 15 | −$1,338 | |
| 6 | $7,802 | 6.125% | — | 299 | −$1,205 | |
| 7 | $7,923 | 6.624% | — | 19 | −$1,084 | |
| 8 | $8,066 | 6.500% | — | 30 | −$941 | |
| 9 | $8,729 | 6.495% | — | 26 | −$278 | |
| 10 | $8,804 | 6.312% | — | 12 | −$203 | |
| 11 | $9,803 | 6.688% | — | 18 | +$796 | |
| 12 | $9,838 | 6.500% | — | 21 | +$831 | |
| 13 | $9,930 | 6.250% | — | 223 | +$923 | |
| 14 | $9,959 | 6.875% | — | 28 | +$952 | |
| 15 | $9,999 | 6.490% | — | 74 | +$992 | |
| 16 | $10,690 | 6.625% | — | 7 | +$1,683 | |
| 17 | $10,763 | 5.625% | — | 9 | +$1,756 | |
| 18 | $12,488 | 6.625% | — | 5 | +$3,481 | |
| 19 | $12,721 | 6.125% | — | 13 | +$3,714 | |
| 20 | $12,851 | 6.125% | — | 9 | +$3,844 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First National Bank Texas | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $9,007 | $7,127 | +$1,880 (+26.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.