Lender in Texas · HMDA 2025
First United Bank and Trust Company mortgages in Texas
First United Bank and Trust Company's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First United Bank and Trust Company originated 1,842 owner-occupied single-family loans in Texas from 1,955 completed applications.
Its median conventional purchase loan costs were $7,180 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,842
of 1,955 applications
Denial rate
4.6%
Purchase · TX 10.2%
Rate spread
+0.21 pts
Conv. · TX +0.09 pts
Loan amount
$395,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,580 | 1,501 | 4.6% | 6.625% | +0.21 pts | $7,180 | $395,000 |
| Refinance | 272 | 247 | 8.5% | 6.625% | +0.15 pts | $5,820 | $435,000 |
| Cash-out refinance | 103 | 94 | 8.7% | 7.125% | +0.56 pts | $7,480 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where First United Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Llano County | 3 | 14 | 5.8% |
| Cooke County | 4 | 32 | 5.7% |
| Fannin County | 4 | 22 | 4.5% |
| Grayson County | 5 | 113 | 4.3% |
| Somervell County | 5 | 5 | 4.0% |
| Parker County | 6 | 98 | 2.8% |
| Bosque County | 6 | 6 | 3.5% |
| Burnet County | 7 | 22 | 2.4% |
| Gillespie County | 7 | 12 | 3.5% |
| Eastland County | 8 | 4 | 3.2% |
| Jack County | 9 | 2 | 2.1% |
| San Saba County | 9 | 1 | 4.0% |
| Wise County | 10 | 35 | 2.1% |
| Travis County | 11 | 259 | 1.8% |
| Blanco County | 11 | 5 | 2.4% |
| Palo Pinto County | 13 | 5 | 1.8% |
| Gonzales County | 13 | 2 | 1.8% |
| Young County | 14 | 3 | 2.0% |
| Carson County | 20 | 1 | 1.3% |
| Dawson County | 20 | 1 | 1.5% |
| Karnes County | 20 | 1 | 1.5% |
| Hunt County | 25 | 17 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology