First Horizon Bank in Texas vs the state
10.3%Denial rate-9.10 pts vs state
13.0%Decision denial rate-11.91 pts vs state
68.7%Origination rate+13.84 pts vs state
6.38%Median rate-0.13 pts vs state
-0.04Rate spread (pts)-0.23 pts vs state
$232kMedian applicant income
905Loans originated
136Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,420 | 985 | 12.0% | 5.88% | #116 |
| 2024 | 975 | 684 | 10.8% | 6.75% | #168 |
| 2025 | 1,317 | 905 | 10.3% | 6.38% | #142 |
What First Horizon Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 412 | 308 | 20 | 4.9% |
| Harris County | 392 | 251 | 59 | 15.1% |
| Collin County | 84 | 61 | 6 | 7.1% |
| Travis County | 65 | 42 | 5 | 7.7% |
| Tarrant County | 62 | 45 | 5 | 8.1% |
| Montgomery County | 56 | 34 | 9 | 16.1% |
| Denton County | 53 | 33 | 6 | 11.3% |
| Fort Bend County | 49 | 34 | 8 | 16.3% |
| Brazoria County | 12 | 10 | 2 | 16.7% |
| Galveston County | 12 | 8 | 2 | 16.7% |
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: 1,317 applications in 2025, of which 905 were originated and 136 denied.
10.3% of all applications, or 13.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Horizon Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First Horizon 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