The First National Bank of Hughes Springs in Texas vs the state
4.9%Denial rate-14.55 pts vs state
5.2%Decision denial rate-19.68 pts vs state
84.6%Origination rate+29.67 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
104Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 118 | 4.3% | — | #492 |
| 2024 | 160 | 128 | 4.4% | — | #450 |
| 2025 | 123 | 104 | 4.9% | — | #510 |
What The First National Bank of Hughes Springs 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 Hughes Springs applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 27 | 23 | 0 | 0.0% |
| Harrison County | 25 | 23 | 1 | 4.0% |
| Morris County | 12 | 11 | 0 | 0.0% |
| Upshur County | 11 | 9 | 0 | 0.0% |
| Falls County | 9 | 9 | 0 | 0.0% |
| Marion County | 8 | 5 | 2 | 25.0% |
| Gregg County | 6 | 5 | 0 | 0.0% |
| Bowie County | 5 | 5 | 0 | 0.0% |
| Shelby County | 5 | 3 | 0 | 0.0% |
| Smith 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: 123 applications in 2025, of which 104 were originated and 6 denied.
4.9% of all applications, or 5.2% 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 Hughes Springs'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