First National Bank of Huntsville in Texas vs the state
5.4%Denial rate-14.02 pts vs state
5.4%Decision denial rate-19.49 pts vs state
88.1%Origination rate+33.23 pts vs state
—Median rate
—Rate spread (pts)
$123kMedian applicant income
163Loans originated
10Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 152 | 5.8% | — | #443 |
| 2024 | 138 | 125 | 3.6% | — | #486 |
| 2025 | 185 | 163 | 5.4% | — | #430 |
What First National Bank of Huntsville 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 Huntsville applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walker County | 75 | 67 | 3 | 4.0% |
| Madison County | 27 | 25 | 1 | 3.7% |
| Brazos County | 19 | 17 | 0 | 0.0% |
| Houston County | 18 | 15 | 2 | 11.1% |
| Robertson County | 12 | 10 | 1 | 8.3% |
| Montgomery County | 7 | 7 | 0 | 0.0% |
| Trinity County | 6 | 5 | 1 | 16.7% |
| Grimes County | 5 | 4 | 1 | 20.0% |
| Leon County | 4 | 4 | 0 | 0.0% |
| Harris County | 4 | 4 | 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: 185 applications in 2025, of which 163 were originated and 10 denied.
5.4% of all applications, or 5.4% 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 Huntsville'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