First United Bank mortgage approval rate & lending review
First United Bank decided 805 mortgage applications and funded 723 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First United Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First United Bank at a glance
Approval is 12.2 points above the 85.4% 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% | 506 / 519 | 90% | $225K | 457 |
| Cash-out refinance | 97% | 34 / 35 | 85% | $245K | 29 |
| Refinance | 96% | 47 / 49 | 96% | $245K | 45 |
| Investment property purchase | 99% | 162 / 164 | 96% | $185K | 155 |
First United Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $225K | 789 | 710 |
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 United Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Randall County, TX | Mortgage lenders | 96% | 221 | 194 |
| Lubbock County, TX | Mortgage lenders | 99% | 191 | 172 |
| Randall County, TX | Investment property purchase | 99% | 67 | 64 |
| Lubbock County, TX | Investment property purchase | 98% | 53 | 50 |
| Potter County, TX | Mortgage lenders | 95% | 59 | 48 |
| Lubbock County, TX | Refinance | 100% | 20 | 20 |
The county markets where First United Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First United Bank
What is First United Bank's mortgage approval rate?
First United Bank approved 97.6% of the 805 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan First United Bank offers?
Borrowers accepted 92% of the loans First United Bank 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 United Bank make?
The typical home purchase mortgage loan First United Bank made was $225K; across all loan types its typical loan ran from $185K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First United Bank lend?
First United Bank decided applications in 10 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and New Mexico.
Can I apply to First United Bank directly?
Yes. First United Bank is a bank or credit union with 42 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First United Bank'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 United Bank treats applications, then get a rate quote from the lender.