First Financial Bank (Texas) mortgage approval rate & lending review
First Financial Bank (Texas) decided 8,884 mortgage applications and funded 8,007 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Financial Bank (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Financial Bank (Texas) at a glance
Approval is 9.8 points above the 81.3% 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 | 94% | 4,946 / 5,268 | 99% | $265K | 4,910 |
| Home improvement loans | 80% | 1,176 / 1,461 | 98% | $105K | 1,149 |
| Cash-out refinance | 84% | 451 / 539 | 98% | $175K | 441 |
| Refinance | 79% | 238 / 300 | 99% | $245K | 236 |
| Investment property purchase | 98% | 999 / 1,021 | 99% | $175K | 993 |
| Investment cash-out refinance | 96% | 107 / 112 | 99% | $175K | 106 |
| Investment refinance | 95% | 90 / 95 | 98% | $175K | 88 |
| Investment home improvement | 98% | 86 / 88 | 98% | $75K | 84 |
First Financial Bank (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $265K | 8,826 | 7,955 |
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 Financial Bank (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Taylor County, TX | Mortgage lenders | 98% | 1,229 | 1,204 |
| Tarrant County, TX | Mortgage lenders | 91% | 893 | 804 |
| Dallas County, TX | Mortgage lenders | 91% | 465 | 422 |
| Tom Green County, TX | Mortgage lenders | 91% | 352 | 321 |
| Taylor County, TX | Investment property purchase | 99% | 288 | 283 |
| Parker County, TX | Mortgage lenders | 93% | 245 | 228 |
| Taylor County, TX | Home improvement loans | 83% | 251 | 205 |
| Brazos County, TX | Mortgage lenders | 96% | 203 | 192 |
| Montgomery County, TX | Mortgage lenders | 90% | 201 | 180 |
| Tarrant County, TX | Investment property purchase | 96% | 164 | 158 |
| Tarrant County, TX | Home improvement loans | 81% | 180 | 145 |
| Jefferson County, TX | Mortgage lenders | 97% | 150 | 144 |
The county markets where First Financial Bank (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about First Financial Bank (Texas)
What is First Financial Bank (Texas)'s mortgage approval rate?
First Financial Bank (Texas) approved 91.1% of the 8,884 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points above the 81.3% national rate for the same mix of loan types.
How often do borrowers take the loan First Financial Bank (Texas) offers?
Borrowers accepted 99% of the loans First Financial 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 Financial Bank (Texas) make?
The typical home purchase mortgage loan First Financial Bank (Texas) made was $265K; across all loan types its typical loan ran from $75K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Financial Bank (Texas) lend?
First Financial Bank (Texas) decided applications in 19 of the states Fat Boy Data covers, most of them in Texas, Arkansas and South Carolina.
Can I apply to First Financial Bank (Texas) directly?
Yes. First Financial Bank (Texas) is a bank or credit union with 357 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Financial 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 Financial Bank (Texas) treats applications, then get a rate quote from the lender.