The First National Bank of Winnsboro in Texas vs the state
18.8%Denial rate-0.68 pts vs state
20.7%Decision denial rate-4.21 pts vs state
71.9%Origination rate+17.00 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
23Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 39 | 7.6% | — | #706 |
| 2024 | 29 | 18 | 27.6% | — | #790 |
| 2025 | 32 | 23 | 18.8% | — | #785 |
What The First National Bank of Winnsboro 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 Winnsboro applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 17 | 12 | 4 | 23.5% |
| Franklin County | 5 | 4 | 0 | 0.0% |
| Collin County | 3 | 2 | 1 | 33.3% |
| Hopkins County | 2 | 0 | 1 | 50.0% |
| Smith County | 2 | 2 | 0 | 0.0% |
| McLennan County | 1 | 1 | 0 | 0.0% |
| Delta 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: 32 applications in 2025, of which 23 were originated and 6 denied.
18.8% of all applications, or 20.7% 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 Winnsboro'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