First Bank in Texas vs the state
2.0%Denial rate-17.45 pts vs state
2.0%Decision denial rate-22.87 pts vs state
79.5%Origination rate+24.57 pts vs state
6.75%Median rate+0.25 pts vs state
0.22Rate spread (pts)+0.02 pts vs state
$153kMedian applicant income
603Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,065 | 856 | 1.7% | 6.88% | #145 |
| 2024 | 940 | 777 | 2.1% | 6.88% | #175 |
| 2025 | 759 | 603 | 2.0% | 6.75% | #199 |
What First Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 120 | 97 | 2 | 1.7% |
| Denton County | 80 | 59 | 1 | 1.3% |
| Dallas County | 77 | 66 | 0 | 0.0% |
| Wichita County | 72 | 63 | 2 | 2.8% |
| Tarrant County | 62 | 52 | 1 | 1.6% |
| Travis County | 52 | 38 | 1 | 1.9% |
| Parker County | 38 | 32 | 0 | 0.0% |
| Kaufman County | 27 | 16 | 3 | 11.1% |
| Bexar County | 26 | 19 | 2 | 7.7% |
| Grayson County | 22 | 16 | 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: 759 applications in 2025, of which 603 were originated and 15 denied.
2.0% of all applications, or 2.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Bank originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are First 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