First National Bank of Central Texas in Texas vs the state
5.1%Denial rate-14.33 pts vs state
5.3%Decision denial rate-19.57 pts vs state
89.8%Origination rate+34.93 pts vs state
—Median rate
—Rate spread (pts)
$179kMedian applicant income
141Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 137 | 5.5% | — | #452 |
| 2024 | 122 | 108 | 5.7% | — | #515 |
| 2025 | 157 | 141 | 5.1% | — | #463 |
What First National Bank of Central Texas lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most First National Bank of Central Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLennan County | 103 | 89 | 6 | 5.8% |
| Brazos County | 15 | 15 | 0 | 0.0% |
| Coryell County | 10 | 10 | 0 | 0.0% |
| Hill County | 10 | 9 | 1 | 10.0% |
| Bell County | 4 | 4 | 0 | 0.0% |
| Limestone County | 3 | 3 | 0 | 0.0% |
| Falls County | 2 | 2 | 0 | 0.0% |
| Johnson County | 2 | 1 | 1 | 50.0% |
| Henderson County | 1 | 1 | 0 | 0.0% |
| Burleson 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: 157 applications in 2025, of which 141 were originated and 8 denied.
5.1% of all applications, or 5.3% 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 of Central Texas'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