The First National Bank of Granbury in Texas vs the state
3.1%Denial rate-16.34 pts vs state
3.3%Decision denial rate-21.61 pts vs state
89.5%Origination rate+34.63 pts vs state
—Median rate
—Rate spread (pts)
$122kMedian applicant income
145Loans originated
5Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 173 | 6.6% | — | #409 |
| 2024 | 144 | 119 | 9.7% | — | #470 |
| 2025 | 162 | 145 | 3.1% | — | #456 |
What The First National Bank of Granbury lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most The First National Bank of Granbury applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hood County | 117 | 105 | 3 | 2.6% |
| Parker County | 11 | 9 | 1 | 9.1% |
| Johnson County | 7 | 7 | 0 | 0.0% |
| Somervell County | 6 | 5 | 0 | 0.0% |
| Tarrant County | 4 | 3 | 1 | 25.0% |
| Denton County | 3 | 3 | 0 | 0.0% |
| Randall County | 2 | 2 | 0 | 0.0% |
| Dallas County | 2 | 2 | 0 | 0.0% |
| Hill County | 2 | 1 | 0 | 0.0% |
| Palo Pinto County | 1 | 1 | 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: 162 applications in 2025, of which 145 were originated and 5 denied.
3.1% of all applications, or 3.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The First National Bank of Granbury'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