First National Bank Texas Mortgage Lending & HMDA Data, 2024
In 2024, First National Bank Texas of Killeen, TX reported 1,210 mortgage applications totaling $343.0 million, down 5% from 2023. The average application was for $283,438, and applicants reported an average income of $109,925. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Killeen-Temple, TX (497), El Paso, TX (342) and Phoenix-Mesa-Scottsdale, AZ (47) (applications in parentheses).
| Mortgage Company & Address | First National Bank Texas 507 N. Gray St. Killeen, TX 76541 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,210 |
| Total Mortgage Loan Application Amount | $342,960,000 |
| Average Mortgage Loan Application Amount | $283,438 |
| Highest Mortgage Loan Application Amount | $7,845,000 |
| Average Applicant Income | $109,925 |
| Highest Applicant Income | $990,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Killeen-Temple, TX | 497 | $ 157,435,000 | $ 316,770 | $ 116,000 |
| El Paso, TX | 342 | $ 80,670,000 | $ 235,877 | $ 89,000 |
| Outside any metro area | 84 | $ 16,310,000 | $ 194,166 | $ 99,108 |
| Phoenix-Mesa-Scottsdale, AZ | 47 | $ 20,485,000 | $ 435,851 | $ 161,000 |
| Houston-The Woodlands-Sugar Land, TX | 34 | $ 8,400,000 | $ 247,058 | $ 87,000 |
| Corpus Christi, TX | 28 | $ 7,030,000 | $ 251,071 | $ 137,000 |
| Waco, TX | 27 | $ 7,115,000 | $ 263,518 | $ 146,000 |
| Dallas-Plano-Irving, TX | 23 | $ 4,345,000 | $ 188,913 | $ 112,000 |
| San Antonio-New Braunfels, TX | 22 | $ 12,370,000 | $ 562,272 | $ 111,000 |
| Austin-Round Rock, TX | 18 | $ 6,230,000 | $ 346,111 | $ 179,000 |
| Las Cruces, NM | 9 | $ 2,285,000 | $ 253,888 | $ 72,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,175,000 | $ 167,857 | $ 101,000 |
| Amarillo, TX | 5 | $ 855,000 | $ 171,000 | $ 87,000 |
| College Station-Bryan, TX | 5 | $ 1,015,000 | $ 203,000 | $ 127,000 |
| Longview, TX | 4 | $ 600,000 | $ 150,000 | $ 106,000 |
| Lubbock, TX | 4 | $ 390,000 | $ 97,500 | $ 65,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 520,000 | $ 130,000 | $ 120,000 |
| Albuquerque, NM | 3 | $ 805,000 | $ 268,333 | $ 100,000 |
| Laredo, TX | 3 | $ 195,000 | $ 65,000 | $ 55,000 |
| Midland, TX | 3 | $ 1,325,000 | $ 441,666 | $ 230,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 840,000 | $ 420,000 | $ 81,000 |
| Bangor, ME | 2 | $ 380,000 | $ 190,000 | $ 122,000 |
| Fort Smith, AR-OK | 2 | $ 410,000 | $ 205,000 | $ 71,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 970,000 | $ 485,000 | $ 115,000 |
| Kansas City, MO-KS | 2 | $ 190,000 | $ 95,000 | $ 147,000 |
| Odessa, TX | 2 | $ 450,000 | $ 225,000 | $ 134,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,710,000 | $ 855,000 | $ 220,000 |
| Tyler, TX | 2 | $ 110,000 | $ 55,000 | $ 59,000 |
| Abilene, TX | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Auburn-Opelika, AL | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 415,000 | $ 415,000 | $ 131,000 |
| Beaumont-Port Arthur, TX | 1 | $ 35,000 | $ 35,000 | $ 16,000 |
| Bend-Redmond, OR | 1 | $ 445,000 | $ 445,000 | $ 193,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 405,000 | $ 405,000 | $ 103,000 |
| Dothan, AL | 1 | $ 315,000 | $ 315,000 | $ 110,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 365,000 | $ 365,000 | $ 168,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 415,000 | $ 415,000 | $ 90,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Oklahoma City, OK | 1 | $ 465,000 | $ 465,000 | $ 111,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 765,000 | $ 765,000 | $ 290,000 |
| Punta Gorda, FL | 1 | $ 615,000 | $ 615,000 | $ 172,000 |
| Spokane-Spokane Valley, WA | 1 | $ 465,000 | $ 465,000 | $ 167,000 |
| Tulsa, OK | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Victoria, TX | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Watertown-Fort Drum, NY | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Wichita Falls, TX | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 355,000 | $ 355,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for First National Bank Texas in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,038 | $308,850,000 | $297,000 | $7,845,000 | $111,000 | $990,000 |
| Refinancing | 122 | $31,180,000 | $255,000 | $885,000 | $111,000 | $331,000 |
| Home Improvement | 40 | $2,330,000 | $58,000 | $125,000 | $91,000 | $270,000 |
| Other Purpose | 10 | $600,000 | $60,000 | $105,000 | $61,000 | $102,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 493 | $114,355,000 | $231,000 | $665,000 | $92,000 | $393,000 |
| White | 383 | $116,145,000 | $303,000 | $785,000 | $131,000 | $990,000 |
| Not Provided | 144 | $42,430,000 | $294,000 | $885,000 | $113,000 | $307,000 |
| Black or African American | 107 | $30,005,000 | $280,000 | $695,000 | $110,000 | $381,000 |
| Not applicable | 37 | $25,495,000 | $689,000 | $7,845,000 | $0 | $0 |
| Asian | 33 | $10,405,000 | $315,000 | $625,000 | $119,000 | $256,000 |
| American Indian or Alaskan Native | 7 | $1,585,000 | $226,000 | $345,000 | $94,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,540,000 | $423,000 | $605,000 | $143,000 | $208,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 452 | $110,570,000 | $244,000 | $555,000 | $92,000 | $393,000 |
| VA-guaranteed (Veterans Administration) | 434 | $148,660,000 | $342,000 | $885,000 | $118,000 | $478,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 324 | $83,730,000 | $258,000 | $7,845,000 | $124,000 | $990,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 945 | $280,525,000 | $296,000 | $7,845,000 | $112,000 | $990,000 |
| Application Withdrawn By Applicant | 189 | $50,105,000 | $265,000 | $825,000 | $109,000 | $387,000 |
| Application Denied By Financial Institution | 60 | $10,530,000 | $175,000 | $535,000 | $77,000 | $270,000 |
| File Closed For Incompleteness | 13 | $1,345,000 | $103,000 | $455,000 | $78,000 | $175,000 |
| Loan Purchased By The Institution | 2 | $400,000 | $200,000 | $305,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,150 | $332,430,000 | $289,000 | $7,845,000 | $111,000 | $990,000 |
| Other | 19 | $3,425,000 | $180,000 | $535,000 | $106,000 | $270,000 |
| Debt-To-Income Ratio | 18 | $3,790,000 | $210,000 | $435,000 | $61,000 | $211,000 |
| Collateral | 15 | $2,195,000 | $146,000 | $265,000 | $68,000 | $240,000 |
| Credit History | 7 | $735,000 | $105,000 | $245,000 | $65,000 | $88,000 |
| Employment History | 1 | $385,000 | $385,000 | $385,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank Texas's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First National Bank Texas's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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