First Bank
First Bank received 783 applications in 2025 and made 620 mortgages, in 76 counties across 17 states. The median rate its borrowers got was 6.750% on a median loan of $340,000. Of 762 decisions, 15 were denials — 2.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LO3MP4RAI32X70 |
|---|---|
| Applications received | 783 |
| Mortgages made | 620 |
| Denied | 15 |
| Approved, not taken up | 127 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.219 points |
| FDIC-insured bank | Yes: First Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 437 | 6.750% | $345,000 | 2.3% |
| Refinancing | 117 | 6.625% | $375,000 | 0.0% |
| Cash-out refinancing | 37 | 6.625% | $365,000 | 4.4% |
| Other purposes | 29 | 7.500% | $165,000 | 0.0% |
Where First Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Collin County, TX | 97 | 6.750% | 1.7% |
| Dallas County, TX | 66 | 7.250% | 0.0% |
| Wichita County, TX | 63 | 7.500% | 2.8% |
| Denton County, TX | 59 | 6.625% | 1.3% |
| Tarrant County, TX | 52 | 7.000% | 1.6% |
| Travis County, TX | 38 | 6.875% | 2.1% |
| Parker County, TX | 32 | 6.438% | 0.0% |
| Bexar County, TX | 19 | 6.625% | 7.7% |
| Williamson County, TX | 18 | 6.625% | 4.8% |
| Grayson County, TX | 16 | 6.438% | 0.0% |
| Kaufman County, TX | 16 | 6.438% | 11.1% |
| Ellis County, TX | 12 | 6.938% | 0.0% |
| Wise County, TX | 12 | 6.058% | 5.9% |
| Rockwall County, TX | 10 | 6.188% | 0.0% |
| Hays County, TX | 9 | Under 10 loans | 0.0% |
| Cooke County, TX | 8 | Under 10 loans | 0.0% |
| Johnson County, TX | 8 | Under 10 loans | 0.0% |
| Harris County, TX | 7 | Under 10 loans | 0.0% |
| Hill County, TX | 6 | Under 10 loans | 12.5% |
| Fannin County, TX | 5 | Under 10 loans | 0.0% |
| Montgomery County, TX | 5 | Under 10 loans | 0.0% |
| Hunt County, TX | 4 | Under 10 loans | 0.0% |
| Hood County, TX | 3 | Under 10 loans | 0.0% |
| Kendall County, TX | 3 | Under 10 loans | 0.0% |
| Comal County, TX | 2 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 2 | Under 10 loans | 0.0% |
| McLennan County, TX | 2 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 2 | Under 10 loans | 0.0% |
| Van Zandt County, TX | 2 | Under 10 loans | 0.0% |
| Waller County, TX | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Hampshire County, MA | 1 | Under 10 loans | 0.0% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Forrest County, MS | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Warren County, MS | 1 | Under 10 loans | 0.0% |
| Onslow County, NC | 1 | Under 10 loans | 0.0% |
| Sampson County, NC | 1 | Under 10 loans | 0.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Angelina County, TX | 1 | Under 10 loans | 0.0% |
| Archer County, TX | 1 | Under 10 loans | 0.0% |
| Bosque County, TX | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.