First United Bank in Texas vs the state
1.7%Denial rate-17.71 pts vs state
1.7%Decision denial rate-23.16 pts vs state
92.1%Origination rate+37.26 pts vs state
6.49%Median rate-0.01 pts vs state
0.06Rate spread (pts)-0.14 pts vs state
$110kMedian applicant income
375Loans originated
7Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 390 | 341 | 2.6% | 7.00% | #289 |
| 2024 | 380 | 332 | 3.2% | 6.63% | #289 |
| 2025 | 407 | 375 | 1.7% | 6.49% | #294 |
What First United Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Randall County | 130 | 120 | 4 | 3.1% |
| Lubbock County | 96 | 86 | 0 | 0.0% |
| Potter County | 33 | 30 | 1 | 3.0% |
| Gaines County | 23 | 22 | 1 | 4.3% |
| Lamb County | 15 | 14 | 0 | 0.0% |
| Moore County | 9 | 9 | 0 | 0.0% |
| Wichita County | 9 | 9 | 0 | 0.0% |
| Childress County | 9 | 9 | 0 | 0.0% |
| Hutchinson County | 5 | 5 | 0 | 0.0% |
| Dawson County | 5 | 5 | 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: 407 applications in 2025, of which 375 were originated and 7 denied.
1.7% of all applications, or 1.7% 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 originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are First United 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