First Mid Bank & Trust in Texas vs the state
33.3%Denial rate+13.90 pts vs state
36.4%Decision denial rate+11.46 pts vs state
58.3%Origination rate+3.45 pts vs state
7.00%Median rate+0.50 pts vs state
0.72Rate spread (pts)+0.52 pts vs state
$73kMedian applicant income
14Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 3 | 41.7% | 6.25% | #973 |
| 2024 | 18 | 5 | 38.9% | 6.50% | #876 |
| 2025 | 24 | 14 | 33.3% | 7.00% | #838 |
What First Mid Bank & Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Mid Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 16 | 11 | 4 | 25.0% |
| Dallas County | 5 | 2 | 3 | 60.0% |
| Hunt County | 1 | 0 | 0 | 0.0% |
| Somervell County | 1 | 0 | 1 | 100.0% |
| Wichita 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: 24 applications in 2025, of which 14 were originated and 8 denied.
33.3% of all applications, or 36.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Mid Bank & Trust originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are First Mid Bank & Trust'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