Lenders › First United Bank and Trust Co › Texas
First United Bank and Trust Co in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Texas, First United Bank and Trust Co reported 4,656 applications and 3,125 originations for 2024, $1.6bn in all.
Its denial rate in the state was 7.4%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 7.4%.
The median rate spread on its Texas originations was 0.3 percentage points (state median 0.2).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | First United Bank and Trust Co, all states | United States |
|---|---|---|---|---|
| Denial rate | 7.4% | 26.0% | 7.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.0% | 11.8% | 9.2% | 15.6% |
| Average originated loan | $519k | $350k | $356k | $329k |
| Home purchase share | 77.5% | 72.8% | 75.2% | 57.0% |
| FHA-insured share | 6.6% | 19.8% | 14.1% | 13.4% |
| VA-guaranteed share | 5.5% | 10.4% | 7.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 77% (2,421)Home improvement 3% (104)Refinancing 7% (219)Cash-out refinancing 4% (113)Other purpose 9% (268)
By type
Conventional 88% (2,748)FHA 7% (205)VA 5% (171)USDA 0% (1)
Denial reasons as coded
Share of 253 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Travis County | 700 | 481 | $365m | 1.8% |
| Tarrant County | 478 | 336 | $195m | 6.4% |
| Dallas County | 488 | 275 | $162m | 7.0% |
| Grayson County | 387 | 259 | $84m | 15.7% |
| Denton County | 373 | 253 | $147m | 9.2% |
| Collin County | 324 | 219 | $121m | 7.2% |
| Williamson County | 216 | 162 | $72m | 4.1% |
| Harris County | 199 | 123 | $53m | 6.1% |
| Parker County | 139 | 112 | $48m | 4.2% |
| Bexar County | 149 | 96 | $46m | 10.0% |
| Guadalupe County | 73 | 58 | $19m | 6.5% |
| Fannin County | 90 | 52 | $11m | 22.5% |
| Burnet County | 66 | 50 | $23m | 3.6% |
| Comal County | 63 | 50 | $27m | 5.7% |
| Hays County | 69 | 45 | $29m | 6.3% |
| Cooke County | 72 | 40 | $12m | 12.5% |
| Johnson County | 58 | 40 | $14m | 4.8% |
| Montgomery County | 48 | 37 | $14m | 0.0% |
| Wise County | 54 | 34 | $14m | 15.0% |
| Hunt County | 47 | 30 | $9.3m | 14.3% |
| Gillespie County | 38 | 29 | $14m | 3.2% |
| Rockwall County | 37 | 26 | $9.9m | 3.6% |
| Llano County | 35 | 26 | $15m | 3.7% |
| Ellis County | 35 | 26 | $11m | 0.0% |
| Bell County | 44 | 20 | $7.5m | — |
| Kaufman County | 28 | 18 | $5.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First United Bank and Trust Co originate in Texas in 2024?
3,125 loans totalling $1.6bn, from 4,656 applications reported for properties in Texas.
What is First United Bank and Trust Co's denial rate in Texas?
7.4% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 7.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does First United Bank and Trust Co lend in most?
By originations: Travis County (481), Tarrant County (336), Dallas County (275), Grayson County (259), Denton County (253).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.