First Federal Bank in Texas vs the state
9.3%Denial rate-10.15 pts vs state
16.4%Decision denial rate-8.47 pts vs state
47.0%Origination rate-7.93 pts vs state
6.13%Median rate-0.38 pts vs state
-0.35Rate spread (pts)-0.54 pts vs state
$171kMedian applicant income
177Loans originated
35Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 97 | 9.8% | 6.50% | #396 |
| 2024 | 429 | 219 | 11.4% | 6.13% | #270 |
| 2025 | 377 | 177 | 9.3% | 6.13% | #309 |
What First Federal Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 64 | 26 | 4 | 6.3% |
| Denton County | 32 | 16 | 4 | 12.5% |
| Travis County | 27 | 11 | 2 | 7.4% |
| Collin County | 26 | 11 | 3 | 11.5% |
| Bexar County | 22 | 12 | 1 | 4.5% |
| Tarrant County | 22 | 8 | 3 | 13.6% |
| Dallas County | 18 | 10 | 0 | 0.0% |
| Fort Bend County | 17 | 6 | 3 | 17.6% |
| Montgomery County | 16 | 9 | 0 | 0.0% |
| Williamson County | 11 | 5 | 1 | 9.1% |
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: 377 applications in 2025, of which 177 were originated and 35 denied.
9.3% of all applications, or 16.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Federal Bank originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are First Federal 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