Lenders › First Financial Bank › Texas
First Financial Bank 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.
First Financial Bank's 2024 HMDA record for Texas covers 5,257 applications, 3,940 of them originated, worth $1.1bn.
Its denial rate in the state was 12.6%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 12.5%.
The median rate spread on its Texas originations was 0.5 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 Financial Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.6% | 26.0% | 12.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.2 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.1% | 11.8% | 15.0% | 15.6% |
| Average originated loan | $274k | $350k | $276k | $329k |
| Home purchase share | 64.9% | 72.8% | 65.2% | 57.0% |
| FHA-insured share | 5.7% | 19.8% | 5.7% | 13.4% |
| VA-guaranteed share | 3.4% | 10.4% | 3.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 65% (2,557)Home improvement 16% (622)Refinancing 4% (140)Cash-out refinancing 7% (258)Other purpose 9% (363)
By type
Conventional 91% (3,579)FHA 6% (225)VA 3% (135)USDA 0% (1)
Denial reasons as coded
Share of 573 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Taylor County | 819 | 646 | $144m | 7.9% |
| Tarrant County | 627 | 469 | $149m | 12.2% |
| Harris County | 312 | 237 | $90m | 11.5% |
| Dallas County | 292 | 212 | $74m | 12.2% |
| Parker County | 287 | 211 | $68m | 15.5% |
| Tom Green County | 229 | 172 | $42m | 14.3% |
| Brazos County | 210 | 165 | $44m | 12.6% |
| Montgomery County | 191 | 151 | $52m | 11.7% |
| Jefferson County | 137 | 109 | $23m | 8.3% |
| Johnson County | 163 | 107 | $22m | 22.4% |
| Eastland County | 138 | 101 | $16m | 14.2% |
| Ellis County | 135 | 99 | $25m | 16.5% |
| Erath County | 126 | 92 | $22m | 8.9% |
| Hood County | 114 | 84 | $25m | 14.3% |
| Denton County | 111 | 82 | $27m | 17.2% |
| Wise County | 100 | 67 | $14m | 22.7% |
| Palo Pinto County | 80 | 61 | $13m | 12.9% |
| Callahan County | 67 | 50 | $8.5m | 8.8% |
| Orange County | 65 | 50 | $8.8m | 13.6% |
| Fort Bend County | 64 | 49 | $14m | 12.5% |
| Collin County | 56 | 43 | $17m | 4.3% |
| Jones County | 56 | 37 | $6.6m | 13.3% |
| Nolan County | 54 | 35 | $3.7m | 28.6% |
| Travis County | 36 | 30 | $16m | 0.0% |
| Walker County | 33 | 28 | $7.8m | 9.7% |
| Hardin County | 31 | 25 | $7.5m | 7.4% |
| Robertson County | 31 | 25 | $6.9m | 7.4% |
| Somervell County | 34 | 24 | $6.2m | 14.3% |
| Hays County | 25 | 19 | $8.8m | — |
| Galveston County | 26 | 18 | $5.3m | — |
| Deaf Smith County | 35 | 15 | $1.7m | 43.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Financial Bank originate in Texas in 2024?
3,940 loans totalling $1.1bn, from 5,257 applications reported for properties in Texas.
What is First Financial Bank's denial rate in Texas?
12.6% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 12.5% 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 Financial Bank lend in most?
By originations: Taylor County (646), Tarrant County (469), Harris County (237), Dallas County (212), Parker County (211).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.