First National Bank of East Texas in Texas vs the state
13.4%Denial rate-6.05 pts vs state
13.6%Decision denial rate-11.26 pts vs state
72.6%Origination rate+17.73 pts vs state
—Median rate
—Rate spread (pts)
$114kMedian applicant income
114Loans originated
21Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 141 | 11.0% | — | #421 |
| 2024 | 134 | 100 | 13.4% | — | #492 |
| 2025 | 157 | 114 | 13.4% | — | #464 |
What First National Bank of East Texas 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 East Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Upshur County | 32 | 22 | 5 | 15.6% |
| Wood County | 32 | 20 | 7 | 21.9% |
| Hopkins County | 22 | 15 | 2 | 9.1% |
| Franklin County | 13 | 9 | 1 | 7.7% |
| Gregg County | 10 | 8 | 1 | 10.0% |
| Harrison County | 9 | 8 | 0 | 0.0% |
| Smith County | 7 | 7 | 0 | 0.0% |
| Rusk County | 5 | 5 | 0 | 0.0% |
| Rains County | 4 | 3 | 1 | 25.0% |
| Van Zandt 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: 157 applications in 2025, of which 114 were originated and 21 denied.
13.4% of all applications, or 13.6% 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 East 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