First National Bank in Port Lavaca in Texas vs the state
18.8%Denial rate-0.61 pts vs state
19.3%Decision denial rate-5.62 pts vs state
68.2%Origination rate+13.36 pts vs state
—Median rate
—Rate spread (pts)
$134kMedian applicant income
58Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 67 | 22.5% | — | #533 |
| 2024 | 77 | 43 | 15.6% | — | #601 |
| 2025 | 85 | 58 | 18.8% | — | #596 |
What First National Bank in Port Lavaca lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First National Bank in Port Lavaca applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calhoun County | 52 | 38 | 9 | 17.3% |
| Victoria County | 15 | 8 | 5 | 33.3% |
| Jackson County | 5 | 3 | 0 | 0.0% |
| Matagorda County | 2 | 0 | 1 | 50.0% |
| Refugio County | 2 | 1 | 1 | 50.0% |
| Hays County | 2 | 2 | 0 | 0.0% |
| Nueces County | 2 | 2 | 0 | 0.0% |
| Aransas County | 1 | 1 | 0 | 0.0% |
| DeWitt County | 1 | 1 | 0 | 0.0% |
| Galveston County | 1 | 0 | 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: 85 applications in 2025, of which 58 were originated and 16 denied.
18.8% of all applications, or 19.3% 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 National Bank in Port Lavaca'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