Lender in Texas · HMDA 2025
First Option Mortgage, LLC mortgages in Texas
First Option Mortgage, LLC's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First Option Mortgage, LLC originated 225 owner-occupied single-family loans in Texas from 281 completed applications.
Its median conventional purchase loan costs were $8,110 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.875% (Texas: 6.50%).
Loans in TX
225
of 281 applications
Denial rate
6.0%
Purchase · TX 10.2%
Rate spread
+0.39 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 251 | 205 | 6.0% | 6.875% | +0.39 pts | $8,110 | $275,000 |
| Refinance | 14 | 11 | — | — | — | — | — |
| Cash-out refinance | 16 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where First Option Mortgage, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Webb County | 6 | 89 | 4.3% |
| Baylor County | 16 | 1 | 3.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology