FirstBank Southwest in Texas vs the state
14.9%Denial rate-4.52 pts vs state
16.8%Decision denial rate-8.07 pts vs state
71.4%Origination rate+16.47 pts vs state
7.33%Median rate+0.83 pts vs state
0.75Rate spread (pts)+0.56 pts vs state
$98kMedian applicant income
244Loans originated
51Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 445 | 333 | 12.1% | — | #269 |
| 2024 | 421 | 325 | 10.5% | — | #272 |
| 2025 | 342 | 244 | 14.9% | 7.33% | #319 |
What FirstBank Southwest lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most FirstBank Southwest applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Randall County | 92 | 67 | 11 | 12.0% |
| Potter County | 63 | 44 | 11 | 17.5% |
| Gray County | 61 | 45 | 8 | 13.1% |
| Deaf Smith County | 41 | 26 | 10 | 24.4% |
| Ochiltree County | 16 | 11 | 2 | 12.5% |
| Parmer County | 10 | 5 | 2 | 20.0% |
| Carson County | 9 | 8 | 1 | 11.1% |
| Donley County | 6 | 5 | 1 | 16.7% |
| Lipscomb County | 5 | 4 | 0 | 0.0% |
| Hutchinson County | 4 | 2 | 2 | 50.0% |
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: 342 applications in 2025, of which 244 were originated and 51 denied.
14.9% of all applications, or 16.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans FirstBank Southwest originated in Texas in 2025 was 7.33%, against a statewide median of 6.50%.
About this data. Figures are FirstBank Southwest'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