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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
FHA
Superstar
Purchase
Superstar
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
4/5
Pull Through
Closing strength
Exceptional
Top 10% of lenders
5/5
By Loan Product· Specialization by type
Conventional
118 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
FHA
359 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
VA
343 loans · 0.65% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
787 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
Refinance
33 loans · 0.09% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 8 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 118 | 14.4% | +0.539%Above | $2,563Fees | ||||
FHA Loans | 359 | 43.8% | +0.199%Above | $2,277Fees | ||||
VA Loans | 343 | 41.8% | -0.650%Below | $750Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume118
Mix14.4%
Spread
+0.539%Above
Fees
$2,563Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume359
Mix43.8%
Spread
+0.199%Above
Fees
$2,277Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume343
Mix41.8%
Spread
-0.650%Below
Fees
$750Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 787 | 96.0% | +0.016%Above | $1,881Fees | ||||
Refinance | 33 | 4.0% | +0.094%Above | $2,229Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume787
Mix96.0%
Spread
+0.016%Above
Fees
$1,881Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
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
26Full-year 2024 · HMDALoans originated
< 1010–5050+None
Northeast3
MENYPA
Midwest6
INKSMIMOOHWI
South10
ALARFLGAKYNCOKSCTNTX
West7
AZCACONMNVUTWA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of First National Bank Texas?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.