Applications / Mortgage Analytics / Lenders / Texas / First National Bank Mortgage
Wichita Falls, TX · National bank · OCC · $1.2 billion assets · 97 loans in 2025
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97
loans originated, 2025
131
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank Mortgage has shrunk to 97 loans from 1,063 in 2021, but it still makes big loans for a lender of its size.
Its loans fell from 1,063 in 2021 to 435 in 2023 and 97 in 2025. The latest drop, 37%, was steeper than at nearly all similar lenders (national banks making between half and twice as many loans), which grew 6%; the whole market grew 10%. The figures do not say why.
Its typical loan was $405,000, against $175,000 at peers, larger than at nearly nine in ten of them. Jumbo loans (larger than the conforming limit) were 7.4%, against 2.8%. Purchases made up 81.4% of its lending. Low- and moderate-income (LMI) borrowers took 12.8%, fewer than at about four in five peers; its larger loans may draw buyers with higher incomes.
Most peers made no government-backed loans. It made a few insured by the Federal Housing Administration (FHA), 4.1%, and guaranteed by the Department of Veterans Affairs (VA), 3.1%. With 97 loans, these are a handful. Its typical rate, 6.62%, matched peers', and none of its loans were higher-priced (a rate well above the average for similar loans).
It ranks 19 of 209 lenders in Wichita Falls, where it has lent since 1990, and its share edged up to 0.9% from 0.8%. American National Bank & Trust and Flat Branch Mortgage lead.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank Mortgage took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.4% · Refinance 16.5% · Home improvement 1.0% · Other 1.0%
Conventional 92.8% · FHA 4.1% · VA 3.1% · of 97 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 94 | 96.9% |
| Oklahoma | 2 | 2.1% |
| New Mexico | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 38 |
| Dallas-Plano-Irving | 24 |
| Wichita Falls | 20 |
| Abilene | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N34GCCEN8EJE06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 375566 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 120078 | 1990–2017 |
Established 29 January 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank Mortgage's data.
First National Bank Mortgage's data
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First National Bank Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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