First-Citizens Bank & Trust in Texas vs the state
24.9%Denial rate+5.43 pts vs state
32.1%Decision denial rate+7.22 pts vs state
52.0%Origination rate-2.90 pts vs state
6.18%Median rate-0.33 pts vs state
0.03Rate spread (pts)-0.17 pts vs state
$248kMedian applicant income
92Loans originated
44Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 207 | 116 | 19.8% | 5.85% | #395 |
| 2024 | 161 | 89 | 19.3% | 5.99% | #448 |
| 2025 | 177 | 92 | 24.9% | 6.18% | #435 |
What First-Citizens Bank & Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 33 | 21 | 7 | 21.2% |
| Dallas County | 21 | 12 | 2 | 9.5% |
| Travis County | 19 | 13 | 4 | 21.1% |
| Collin County | 13 | 7 | 2 | 15.4% |
| Williamson County | 12 | 4 | 1 | 8.3% |
| Fort Bend County | 10 | 6 | 3 | 30.0% |
| Denton County | 10 | 5 | 4 | 40.0% |
| Bexar County | 10 | 3 | 5 | 50.0% |
| Tarrant County | 7 | 3 | 1 | 14.3% |
| Galveston County | 3 | 0 | 1 | 33.3% |
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: 177 applications in 2025, of which 92 were originated and 44 denied.
24.9% of all applications, or 32.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First-Citizens Bank & Trust originated in Texas in 2025 was 6.18%, against a statewide median of 6.50%.
About this data. Figures are First-Citizens Bank & Trust'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