First Financial Bank in Texas vs the state
10.7%Denial rate-8.74 pts vs state
12.7%Decision denial rate-12.23 pts vs state
72.9%Origination rate+18.06 pts vs state
6.88%Median rate+0.38 pts vs state
0.29Rate spread (pts)+0.10 pts vs state
$118kMedian applicant income
3,754Loans originated
550Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,106 | 3,775 | 11.5% | 7.50% | #38 |
| 2024 | 5,257 | 3,940 | 10.9% | 7.38% | #32 |
| 2025 | 5,147 | 3,754 | 10.7% | 6.88% | #35 |
What First Financial Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Taylor County | 985 | 787 | 50 | 5.1% |
| Tarrant County | 535 | 389 | 54 | 10.1% |
| Harris County | 309 | 225 | 23 | 7.4% |
| Tom Green County | 254 | 175 | 37 | 14.6% |
| Dallas County | 253 | 167 | 38 | 15.0% |
| Parker County | 253 | 179 | 37 | 14.6% |
| Montgomery County | 227 | 164 | 30 | 13.2% |
| Brazos County | 222 | 175 | 18 | 8.1% |
| Johnson County | 157 | 101 | 24 | 15.3% |
| Jefferson County | 145 | 108 | 13 | 9.0% |
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: 5,147 applications in 2025, of which 3,754 were originated and 550 denied.
10.7% of all applications, or 12.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Financial Bank originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are First Financial 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