MidFirst Bank in Texas vs the state
15.0%Denial rate-4.41 pts vs state
16.8%Decision denial rate-8.13 pts vs state
73.2%Origination rate+18.31 pts vs state
5.93%Median rate-0.58 pts vs state
-0.61Rate spread (pts)-0.80 pts vs state
$176kMedian applicant income
385Loans originated
79Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 191 | 6.4% | 6.38% | #357 |
| 2024 | 287 | 229 | 8.7% | 6.64% | #328 |
| 2025 | 526 | 385 | 15.0% | 5.93% | #252 |
What MidFirst Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most MidFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 219 | 177 | 8 | 3.7% |
| Harris County | 118 | 80 | 28 | 23.7% |
| Fort Bend County | 64 | 31 | 30 | 46.9% |
| Tarrant County | 22 | 19 | 1 | 4.5% |
| Collin County | 16 | 13 | 0 | 0.0% |
| Denton County | 12 | 11 | 0 | 0.0% |
| Montgomery County | 12 | 10 | 2 | 16.7% |
| Travis County | 10 | 10 | 0 | 0.0% |
| Bexar County | 9 | 8 | 0 | 0.0% |
| Brazoria County | 5 | 1 | 3 | 60.0% |
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: 526 applications in 2025, of which 385 were originated and 79 denied.
15.0% 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 MidFirst Bank originated in Texas in 2025 was 5.93%, against a statewide median of 6.50%.
About this data. Figures are MidFirst 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