First State Bank in Texas vs the state
8.5%Denial rate-10.98 pts vs state
8.7%Decision denial rate-16.20 pts vs state
78.9%Origination rate+23.99 pts vs state
—Median rate
—Rate spread (pts)
$149kMedian applicant income
112Loans originated
12Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 116 | 6.9% | — | #488 |
| 2024 | 131 | 88 | 10.7% | — | #499 |
| 2025 | 142 | 112 | 8.5% | — | #487 |
What First State Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most First State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henderson County | 78 | 61 | 6 | 7.7% |
| Navarro County | 27 | 24 | 2 | 7.4% |
| Kaufman County | 14 | 11 | 1 | 7.1% |
| Anderson County | 6 | 4 | 1 | 16.7% |
| Van Zandt County | 5 | 3 | 1 | 20.0% |
| Smith County | 3 | 1 | 1 | 33.3% |
| Galveston County | 2 | 2 | 0 | 0.0% |
| Titus County | 2 | 2 | 0 | 0.0% |
| Brown County | 1 | 1 | 0 | 0.0% |
| Ellis County | 1 | 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: 142 applications in 2025, of which 112 were originated and 12 denied.
8.5% of all applications, or 8.7% 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 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