First State Bank in Texas vs the state
6.4%Denial rate-13.04 pts vs state
8.9%Decision denial rate-16.01 pts vs state
65.2%Origination rate+10.30 pts vs state
6.75%Median rate+0.25 pts vs state
0.33Rate spread (pts)+0.14 pts vs state
$138kMedian applicant income
204Loans originated
20Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 242 | 5.1% | 7.00% | #309 |
| 2024 | 304 | 221 | 7.2% | 7.00% | #323 |
| 2025 | 313 | 204 | 6.4% | 6.75% | #333 |
What First State Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cooke County | 85 | 58 | 1 | 1.2% |
| Grayson County | 60 | 35 | 9 | 15.0% |
| Denton County | 54 | 38 | 4 | 7.4% |
| McLennan County | 24 | 18 | 1 | 4.2% |
| Wise County | 24 | 18 | 2 | 8.3% |
| Montague County | 19 | 12 | 0 | 0.0% |
| Tarrant County | 17 | 8 | 1 | 5.9% |
| Collin County | 13 | 6 | 1 | 7.7% |
| Fannin County | 3 | 2 | 0 | 0.0% |
| Moore County | 2 | 1 | 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: 313 applications in 2025, of which 204 were originated and 20 denied.
6.4% of all applications, or 8.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First State Bank originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are First State 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