First National Bank Texas in Texas vs the state
3.2%Denial rate-16.25 pts vs state
3.9%Decision denial rate-20.96 pts vs state
77.2%Origination rate+22.33 pts vs state
6.38%Median rate-0.13 pts vs state
0.26Rate spread (pts)+0.07 pts vs state
$86kMedian applicant income
1,094Loans originated
45Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,166 | 791 | 10.2% | 6.25% | #136 |
| 2024 | 1,099 | 863 | 5.3% | 6.13% | #156 |
| 2025 | 1,417 | 1,094 | 3.2% | 6.38% | #137 |
What First National Bank 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 Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bell County | 428 | 346 | 4 | 0.9% |
| El Paso County | 337 | 245 | 17 | 5.0% |
| Nueces County | 95 | 80 | 2 | 2.1% |
| Coryell County | 70 | 58 | 0 | 0.0% |
| McLennan County | 39 | 33 | 0 | 0.0% |
| Potter County | 38 | 26 | 1 | 2.6% |
| Howard County | 37 | 30 | 1 | 2.7% |
| Dallas County | 30 | 21 | 2 | 6.7% |
| Tarrant County | 29 | 16 | 3 | 10.3% |
| Jim Wells County | 28 | 25 | 1 | 3.6% |
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: 1,417 applications in 2025, of which 1,094 were originated and 45 denied.
3.2% of all applications, or 3.9% 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 Texas originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First National Bank 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