First Liberty Bank in Texas vs the state
31.7%Denial rate+12.24 pts vs state
34.3%Decision denial rate+9.44 pts vs state
47.8%Origination rate-7.10 pts vs state
—Median rate
—Rate spread (pts)
$143kMedian applicant income
86Loans originated
57Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 113 | 28.5% | — | #363 |
| 2024 | 107 | 53 | 27.1% | — | #547 |
| 2025 | 180 | 86 | 31.7% | — | #433 |
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 |
|---|---|---|---|---|
| Liberty County | 90 | 36 | 34 | 37.8% |
| Harris County | 18 | 13 | 2 | 11.1% |
| Polk County | 14 | 8 | 4 | 28.6% |
| Chambers County | 11 | 8 | 2 | 18.2% |
| Galveston County | 10 | 8 | 1 | 10.0% |
| Brazoria County | 9 | 1 | 5 | 55.6% |
| Hardin County | 6 | 3 | 3 | 50.0% |
| Fort Bend County | 4 | 0 | 1 | 25.0% |
| Jasper County | 3 | 1 | 1 | 33.3% |
| Montgomery County | 3 | 3 | 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: 180 applications in 2025, of which 86 were originated and 57 denied.
31.7% of all applications, or 34.3% 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