Lender in Texas · HMDA 2025
First Bank mortgages in Texas
First Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First Bank originated 414 owner-occupied single-family loans in Texas from 537 completed applications.
Its median conventional purchase loan costs were $9,220 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
414
of 537 applications
Denial rate
2.8%
Purchase · TX 10.2%
Rate spread
+0.28 pts
Conv. · TX +0.09 pts
Loan amount
$405,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 393 | 289 | 2.8% | 6.750% | +0.28 pts | $9,220 | $405,000 |
| Refinance | 111 | 98 | 0.0% | 6.625% | +0.23 pts | $6,610 | $385,000 |
| Cash-out refinance | 33 | 27 | 6.1% | — | +0.33 pts | $7,030 | $415,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wichita County | 13 | 23 | 1.6% |
| Cooke County | 19 | 5 | 0.9% |
| Wilbarger County | 20 | 1 | 1.3% |
| Fannin County | 24 | 5 | 1.0% |
| Hill County | 25 | 5 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology