First Colony Mortgage in Texas vs the state
6.7%Denial rate-12.74 pts vs state
9.5%Decision denial rate-15.41 pts vs state
43.2%Origination rate-11.65 pts vs state
6.25%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.02 pts vs state
$133kMedian applicant income
278Loans originated
43Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 37 | 1.8% | 7.00% | #694 |
| 2024 | 272 | 178 | 5.9% | 6.50% | #334 |
| 2025 | 643 | 278 | 6.7% | 6.25% | #223 |
What First Colony Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 91 | 36 | 10 | 11.0% |
| Collin County | 59 | 19 | 3 | 5.1% |
| Fort Bend County | 43 | 20 | 0 | 0.0% |
| Dallas County | 42 | 10 | 4 | 9.5% |
| Tarrant County | 41 | 17 | 2 | 4.9% |
| Bexar County | 41 | 26 | 3 | 7.3% |
| Denton County | 38 | 14 | 1 | 2.6% |
| Hidalgo County | 20 | 5 | 3 | 15.0% |
| Travis County | 17 | 10 | 1 | 5.9% |
| Lubbock County | 17 | 8 | 1 | 5.9% |
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: 643 applications in 2025, of which 278 were originated and 43 denied.
6.7% of all applications, or 9.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Colony Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are First Colony Mortgage'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