First American Bank in Texas vs the state
26.7%Denial rate+7.24 pts vs state
42.1%Decision denial rate+17.21 pts vs state
36.7%Origination rate-18.21 pts vs state
7.50%Median rate+1.00 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$130kMedian applicant income
11Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 29 | 10.5% | 7.25% | #764 |
| 2024 | 25 | 9 | 40.0% | 8.13% | #823 |
| 2025 | 30 | 11 | 26.7% | 7.50% | #799 |
What First American Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 18 | 4 | 7 | 38.9% |
| Hartley County | 2 | 1 | 0 | 0.0% |
| Bexar County | 2 | 1 | 0 | 0.0% |
| Lubbock County | 1 | 1 | 0 | 0.0% |
| Gaines County | 1 | 0 | 1 | 100.0% |
| Dallas County | 1 | 1 | 0 | 0.0% |
| Howard County | 1 | 0 | 0 | 0.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Eastland County | 1 | 0 | 0 | 0.0% |
| Somervell County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 30 applications in 2025, of which 11 were originated and 8 denied.
26.7% of all applications, or 42.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First American Bank originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are First American Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology