First National Bank of Omaha in Texas vs the state
22.2%Denial rate+2.79 pts vs state
53.9%Decision denial rate+28.95 pts vs state
19.1%Origination rate-35.83 pts vs state
6.69%Median rate+0.19 pts vs state
0.65Rate spread (pts)+0.45 pts vs state
$177kMedian applicant income
12Loans originated
14Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 76 | 12.9% | 6.50% | #470 |
| 2024 | 52 | 20 | 11.5% | 7.00% | #679 |
| 2025 | 63 | 12 | 22.2% | 6.69% | #660 |
What First National Bank of Omaha 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 Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 20 | 7 | 6 | 30.0% |
| Denton County | 12 | 4 | 3 | 25.0% |
| Dallas County | 8 | 1 | 2 | 25.0% |
| Tarrant County | 3 | 0 | 1 | 33.3% |
| Bexar County | 3 | 0 | 1 | 33.3% |
| Travis County | 2 | 0 | 0 | 0.0% |
| Harris County | 2 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Cameron County | 1 | 0 | 0 | 0.0% |
| Hardin 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: 63 applications in 2025, of which 12 were originated and 14 denied.
22.2% of all applications, or 53.9% 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 Omaha originated in Texas in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of Omaha'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