Lender in Texas · HMDA 2025
First United Bank mortgages in Texas
First United Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First United Bank originated 285 owner-occupied single-family loans in Texas from 308 completed applications.
Its median conventional purchase loan costs were $5,290 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.375% (Texas: 6.50%).
Loans in TX
285
of 308 applications
Denial rate
2.8%
Purchase · TX 10.2%
Rate spread
−0.09 pts
Conv. · TX +0.09 pts
Loan amount
$235,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 248 | 228 | 2.8% | 6.375% | −0.09 pts | $5,290 | $235,000 |
| Refinance | 36 | 35 | 0.0% | 6.375% | −0.03 pts | $4,450 | $245,000 |
| Cash-out refinance | 24 | 22 | 0.0% | — | +0.25 pts | $5,850 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where First United Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lamb County | 1 | 12 | 15.4% |
| Cottle County | 1 | 1 | 100.0% |
| Childress County | 2 | 6 | 16.7% |
| Donley County | 2 | 5 | 14.7% |
| Gaines County | 3 | 20 | 7.5% |
| Dawson County | 4 | 4 | 6.1% |
| Armstrong County | 4 | 2 | 6.9% |
| Lipscomb County | 5 | 1 | 6.7% |
| Moore County | 6 | 9 | 4.2% |
| Carson County | 6 | 3 | 3.8% |
| Parmer County | 6 | 2 | 4.8% |
| Randall County | 8 | 91 | 3.8% |
| Baylor County | 8 | 1 | 3.6% |
| Terry County | 9 | 3 | 4.4% |
| Hartley County | 9 | 2 | 3.6% |
| Oldham County | 10 | 1 | 5.6% |
| Wheeler County | 10 | 1 | 3.5% |
| Hutchinson County | 11 | 5 | 2.3% |
| Hale County | 11 | 4 | 2.0% |
| Bailey County | 11 | 1 | 3.5% |
| Potter County | 13 | 22 | 2.3% |
| Yoakum County | 13 | 1 | 2.0% |
| Castro County | 14 | 1 | 2.6% |
| Haskell County | 16 | 1 | 2.6% |
| Lubbock County | 18 | 63 | 1.4% |
| Deaf Smith County | 20 | 1 | 0.8% |
| Hockley County | 23 | 2 | 1.0% |
| Archer County | 25 | 1 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology