First Liberty Bank in Texas vs the state
17.1%Denial rate-2.29 pts vs state
18.2%Decision denial rate-6.72 pts vs state
74.3%Origination rate+19.41 pts vs state
—Median rate
—Rate spread (pts)
$170kMedian applicant income
26Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 22 | 18.4% | 6.99% | #766 |
| 2024 | 52 | 31 | 9.6% | — | #681 |
| 2025 | 35 | 26 | 17.1% | — | #768 |
What First Liberty Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most First Liberty Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 7 | 4 | 2 | 28.6% |
| Collin County | 4 | 4 | 0 | 0.0% |
| Tarrant County | 3 | 2 | 0 | 0.0% |
| Harris County | 3 | 1 | 2 | 66.7% |
| Travis County | 2 | 2 | 0 | 0.0% |
| Parker County | 2 | 2 | 0 | 0.0% |
| McLennan County | 2 | 2 | 0 | 0.0% |
| Bexar County | 2 | 2 | 0 | 0.0% |
| Fannin County | 2 | 2 | 0 | 0.0% |
| Cameron County | 1 | 1 | 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: 35 applications in 2025, of which 26 were originated and 6 denied.
17.1% of all applications, or 18.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Liberty 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