First United Bank and Trust in Texas vs the state
6.5%Denial rate-12.94 pts vs state
9.0%Decision denial rate-15.88 pts vs state
64.5%Origination rate+9.64 pts vs state
6.75%Median rate+0.25 pts vs state
0.29Rate spread (pts)+0.10 pts vs state
$173kMedian applicant income
2,615Loans originated
263Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,864 | 3,042 | 5.6% | 7.13% | #41 |
| 2024 | 4,656 | 3,125 | 5.4% | 7.00% | #38 |
| 2025 | 4,053 | 2,615 | 6.5% | 6.75% | #48 |
What First United Bank and Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 495 | 341 | 15 | 3.0% |
| Tarrant County | 468 | 287 | 31 | 6.6% |
| Dallas County | 446 | 233 | 38 | 8.5% |
| Denton County | 366 | 240 | 23 | 6.3% |
| Grayson County | 347 | 235 | 50 | 14.4% |
| Collin County | 307 | 185 | 21 | 6.8% |
| Parker County | 173 | 121 | 8 | 4.6% |
| Williamson County | 156 | 106 | 1 | 0.6% |
| Bexar County | 135 | 92 | 6 | 4.4% |
| Harris County | 105 | 68 | 5 | 4.8% |
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: 4,053 applications in 2025, of which 2,615 were originated and 263 denied.
6.5% of all applications, or 9.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First United Bank and Trust originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are First United Bank and Trust'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