First National Bank in Texas vs the state
13.3%Denial rate-6.15 pts vs state
14.9%Decision denial rate-9.99 pts vs state
73.4%Origination rate+18.56 pts vs state
6.63%Median rate+0.13 pts vs state
-0.12Rate spread (pts)-0.31 pts vs state
$194kMedian applicant income
94Loans originated
17Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 506 | 409 | 9.5% | 6.99% | #252 |
| 2024 | 191 | 145 | 9.4% | 7.13% | #412 |
| 2025 | 128 | 94 | 13.3% | 6.63% | #504 |
What First National Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 24 | 19 | 1 | 4.2% |
| Wichita County | 18 | 14 | 2 | 11.1% |
| Wise County | 16 | 9 | 4 | 25.0% |
| Dallas County | 10 | 9 | 0 | 0.0% |
| Denton County | 9 | 5 | 4 | 44.4% |
| Parker County | 8 | 5 | 2 | 25.0% |
| Hood County | 7 | 7 | 0 | 0.0% |
| Archer County | 7 | 5 | 2 | 28.6% |
| Johnson County | 6 | 5 | 0 | 0.0% |
| Collin County | 5 | 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: 128 applications in 2025, of which 94 were originated and 17 denied.
13.3% of all applications, or 14.9% 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 originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are First National Bank'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