First Community Mortgage in Texas vs the state
8.0%Denial rate-11.47 pts vs state
8.9%Decision denial rate-16.03 pts vs state
72.6%Origination rate+17.73 pts vs state
6.74%Median rate+0.24 pts vs state
0.27Rate spread (pts)+0.07 pts vs state
$143kMedian applicant income
228Loans originated
25Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 142 | 7.6% | 6.88% | #405 |
| 2024 | 238 | 164 | 11.8% | 6.75% | #368 |
| 2025 | 314 | 228 | 8.0% | 6.74% | #331 |
What First Community Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 49 | 30 | 3 | 6.1% |
| Travis County | 34 | 27 | 3 | 8.8% |
| Harris County | 28 | 18 | 2 | 7.1% |
| Dallas County | 20 | 15 | 4 | 20.0% |
| Williamson County | 17 | 13 | 0 | 0.0% |
| Bexar County | 16 | 13 | 0 | 0.0% |
| Collin County | 13 | 9 | 3 | 23.1% |
| Denton County | 10 | 7 | 1 | 10.0% |
| Galveston County | 7 | 7 | 0 | 0.0% |
| Montgomery County | 7 | 7 | 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: 314 applications in 2025, of which 228 were originated and 25 denied.
8.0% of all applications, or 8.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Community Mortgage originated in Texas in 2025 was 6.74%, against a statewide median of 6.50%.
About this data. Figures are First Community 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