The First National Bank of Shiner
The First National Bank of Shiner received 34 applications in 2025 and made 13 mortgages, in 9 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $235,000. Of 29 decisions, 15 were denials — 51.7%, most often for credit history. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900D3ZSLR3VYI9A24 |
|---|---|
| Applications received | 34 |
| Mortgages made | 13 |
| Denied | 15 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 40.0% |
Where The First National Bank of Shiner lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lavaca County, TX | 6 | Under 10 loans | 60.0% |
| Fayette County, TX | 3 | Under 10 loans | 40.0% |
| Gonzales County, TX | 2 | Under 10 loans | 0.0% |
| Caldwell County, TX | 1 | Under 10 loans | 0.0% |
| Calhoun County, TX | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 0 | Under 10 loans | Not published |
| Bee County, TX | 0 | Under 10 loans | 100.0% |
| DeWitt County, TX | 0 | Under 10 loans | 100.0% |
| Goliad County, TX | 0 | Under 10 loans | 100.0% |
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When The First National Bank of Shiner’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.