First Bank (Texas) mortgage approval rate & lending review
First Bank (Texas) decided 2,450 mortgage applications and funded 2,043 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Bank (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Bank (Texas) at a glance
Approval is 14.1 points above the 84.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 1,422 / 1,451 | 81% | $425K | 1,146 |
| Cash-out refinance | 95% | 88 / 93 | 82% | $415K | 72 |
| Refinance | 99% | 298 / 300 | 89% | $425K | 265 |
| Investment property purchase | 98% | 440 / 448 | 94% | $225K | 413 |
| Investment cash-out refinance | 98% | 55 / 56 | 87% | $165K | 48 |
| Investment refinance | 100% | 41 / 41 | 93% | $195K | 38 |
| Investment home improvement | 100% | 61 / 61 | 100% | $35K | 61 |
First Bank (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $425K | 2,393 | 2,001 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Bank (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Travis County, TX | Mortgage lenders | 100% | 240 | 196 |
| Collin County, TX | Mortgage lenders | 99% | 225 | 178 |
| Dallas County, TX | Investment property purchase | 100% | 89 | 89 |
| Wichita County, TX | Mortgage lenders | 96% | 102 | 84 |
| Tarrant County, TX | Investment property purchase | 99% | 85 | 83 |
| Collin County, TX | Refinance | 100% | 84 | 78 |
| Parker County, TX | Mortgage lenders | 100% | 83 | 68 |
| Wichita County, TX | Investment property purchase | 100% | 69 | 67 |
| Collin County, TX | Investment property purchase | 94% | 48 | 41 |
| Denton County, TX | Investment property purchase | 98% | 42 | 39 |
| Denton County, TX | Refinance | 100% | 43 | 38 |
| Johnson County, TX | Mortgage lenders | 100% | 44 | 34 |
The county markets where First Bank (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about First Bank (Texas)
What is First Bank (Texas)'s mortgage approval rate?
First Bank (Texas) approved 98.2% of the 2,450 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.1 points above the 84.1% national rate for the same mix of loan types.
How often do borrowers take the loan First Bank (Texas) offers?
Borrowers accepted 85% of the loans First Bank (Texas) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Bank (Texas) make?
The typical home purchase mortgage loan First Bank (Texas) made was $425K; across all loan types its typical loan ran from $35K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Bank (Texas) lend?
First Bank (Texas) decided applications in 24 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and Florida.
Can I apply to First Bank (Texas) directly?
Yes. First Bank (Texas) is a bank or credit union with 303 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Bank (Texas)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Bank (Texas) treats applications, then get a rate quote from the lender.