First National Bank of America in Texas vs the state
9.9%Denial rate-9.54 pts vs state
12.9%Decision denial rate-11.98 pts vs state
66.3%Origination rate+11.42 pts vs state
9.00%Median rate+2.50 pts vs state
2.82Rate spread (pts)+2.63 pts vs state
$114kMedian applicant income
181Loans originated
27Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 375 | 223 | 17.6% | 9.88% | #293 |
| 2024 | 354 | 224 | 13.3% | 9.63% | #295 |
| 2025 | 273 | 181 | 9.9% | 9.00% | #356 |
What First National Bank of America lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 82 | 53 | 7 | 8.5% |
| Dallas County | 19 | 10 | 4 | 21.1% |
| Fort Bend County | 15 | 14 | 0 | 0.0% |
| Tarrant County | 14 | 12 | 0 | 0.0% |
| Montgomery County | 10 | 5 | 3 | 30.0% |
| Travis County | 10 | 7 | 0 | 0.0% |
| Denton County | 9 | 5 | 1 | 11.1% |
| Williamson County | 9 | 8 | 0 | 0.0% |
| Hays County | 9 | 7 | 0 | 0.0% |
| Galveston County | 8 | 1 | 3 | 37.5% |
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: 273 applications in 2025, of which 181 were originated and 27 denied.
9.9% of all applications, or 12.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First National Bank of America originated in Texas in 2025 was 9.00%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of America'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