The First National Bank of Shiner in Texas vs the state
44.1%Denial rate+24.69 pts vs state
51.7%Decision denial rate+26.82 pts vs state
38.2%Origination rate-16.64 pts vs state
—Median rate
—Rate spread (pts)
$130kMedian applicant income
13Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 36 | 17.2% | — | #671 |
| 2024 | 47 | 28 | 21.3% | — | #702 |
| 2025 | 34 | 13 | 44.1% | — | #775 |
What The First National Bank of Shiner 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 Shiner applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lavaca County | 17 | 6 | 9 | 52.9% |
| Fayette County | 5 | 3 | 2 | 40.0% |
| Gonzales County | 3 | 2 | 0 | 0.0% |
| DeWitt County | 2 | 0 | 1 | 50.0% |
| Caldwell County | 1 | 1 | 0 | 0.0% |
| Calhoun County | 1 | 1 | 0 | 0.0% |
| Bee County | 1 | 0 | 1 | 100.0% |
| Bastrop County | 1 | 0 | 0 | 0.0% |
| Goliad County | 1 | 0 | 1 | 100.0% |
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: 34 applications in 2025, of which 13 were originated and 15 denied.
44.1% of all applications, or 51.7% 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 Shiner'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