First National Bank of East Texas
First National Bank of East Texas received 160 applications in 2025 and made 116 mortgages, in 24 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 157 decisions, 21 were denials — 13.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900CBU2F2TON68T25 |
|---|---|
| Applications received | 160 |
| Mortgages made | 116 |
| Denied | 21 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of East Texas, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 79 | Not published | $145,000 | 10.7% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Cash-out refinancing | 14 | Not published | $190,000 | 25.0% |
| Other purposes | 14 | Not published | $75,000 | 17.4% |
Where First National Bank of East Texas lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Upshur County, TX | 22 | Not published | 16.1% |
| Wood County, TX | 20 | Not published | 23.3% |
| Hopkins County, TX | 15 | Not published | 9.1% |
| Franklin County, TX | 9 | Under 10 loans | 7.7% |
| Gregg County, TX | 8 | Under 10 loans | 10.0% |
| Harrison County, TX | 8 | Under 10 loans | 0.0% |
| Smith County, TX | 7 | Under 10 loans | 0.0% |
| Rusk County, TX | 5 | Under 10 loans | 0.0% |
| Camp County, TX | 3 | Under 10 loans | 0.0% |
| Hunt County, TX | 3 | Under 10 loans | 0.0% |
| Rains County, TX | 3 | Under 10 loans | 25.0% |
| Van Zandt County, TX | 3 | Under 10 loans | 0.0% |
| Morris County, TX | 2 | Under 10 loans | 33.3% |
| Titus County, TX | 2 | Under 10 loans | 0.0% |
| Jackson County, IL | 1 | Under 10 loans | 0.0% |
| Park County, MT | 1 | Under 10 loans | 0.0% |
| Bowie County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Panola County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 0 | Under 10 loans | 0.0% |
| McLennan County, TX | 0 | Under 10 loans | 0.0% |
| Marion County, TX | 0 | Under 10 loans | 100.0% |
| Wilson County, TX | 0 | Under 10 loans | 100.0% |
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When First National Bank of East Texas’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.