Firstmark in Texas vs the state
40.9%Denial rate+21.43 pts vs state
49.8%Decision denial rate+24.87 pts vs state
41.0%Origination rate-13.89 pts vs state
7.04%Median rate+0.54 pts vs state
1.15Rate spread (pts)+0.96 pts vs state
$83kMedian applicant income
332Loans originated
331Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 746 | 304 | 45.8% | 7.54% | #197 |
| 2024 | 893 | 351 | 42.4% | 7.29% | #182 |
| 2025 | 810 | 332 | 40.9% | 7.04% | #189 |
What Firstmark lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Firstmark applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 674 | 275 | 278 | 41.2% |
| Guadalupe County | 23 | 17 | 4 | 17.4% |
| Comal County | 19 | 13 | 4 | 21.1% |
| Wilson County | 18 | 5 | 8 | 44.4% |
| Atascosa County | 12 | 1 | 9 | 75.0% |
| Medina County | 11 | 2 | 7 | 63.6% |
| Gillespie County | 7 | 6 | 1 | 14.3% |
| Bandera County | 5 | 1 | 3 | 60.0% |
| Kendall County | 4 | 1 | 2 | 50.0% |
| Harris County | 4 | 2 | 1 | 25.0% |
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: 810 applications in 2025, of which 332 were originated and 331 denied.
40.9% of all applications, or 49.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Firstmark originated in Texas in 2025 was 7.04%, against a statewide median of 6.50%.
About this data. Figures are Firstmark'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