FirstBank in Texas vs the state
71.2%Denial rate+51.73 pts vs state
71.3%Decision denial rate+46.37 pts vs state
8.2%Origination rate-46.69 pts vs state
9.14%Median rate+2.64 pts vs state
3.20Rate spread (pts)+3.01 pts vs state
$66kMedian applicant income
159Loans originated
1,382Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,395 | 184 | 63.2% | 9.95% | #118 |
| 2024 | 1,684 | 125 | 68.4% | 9.95% | #106 |
| 2025 | 1,942 | 159 | 71.2% | 9.14% | #104 |
What FirstBank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most FirstBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 99 | 8 | 68 | 68.7% |
| Harris County | 85 | 6 | 62 | 72.9% |
| Liberty County | 70 | 3 | 46 | 65.7% |
| Brazoria County | 64 | 4 | 43 | 67.2% |
| Smith County | 53 | 2 | 42 | 79.2% |
| Bastrop County | 52 | 9 | 31 | 59.6% |
| Hardin County | 52 | 3 | 37 | 71.2% |
| Waller County | 41 | 2 | 36 | 87.8% |
| Bowie County | 37 | 6 | 26 | 70.3% |
| Jasper County | 36 | 1 | 28 | 77.8% |
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: 1,942 applications in 2025, of which 159 were originated and 1,382 denied.
71.2% of all applications, or 71.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans FirstBank originated in Texas in 2025 was 9.14%, against a statewide median of 6.50%.
About this data. Figures are FirstBank'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