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The First National Bank of Hughes Springs

Hughes Springs, TX

The First National Bank of Hughes Springs processed 165 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 132 loans with a 4.2% denial rate. Home Purchase was the primary loan purpose. Based in Hughes Springs, TX. The approval rate of 80.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. The First National Bank of Hughes Springs processed 165 HMDA-reported mortgage applications in 2024, originating 132 loans and denying 7 for a denial rate of 4.2% (applicants themselves withdrew 26 files before a decision). The average loan amount was $148,273. The lender reports under LEI 254900B7OQXWTD0I4K81 from Hughes Springs, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. The First National Bank of Hughes Springs's 80.0% origination rate tells you how often an application turned into funded money; the 4.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Insufficient cash, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (165 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

165
Applications
132
Originated
4.2%
Denial Rate
$148,273
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 165 132 7 $148,273

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for The First National Bank of Hughes Springs (LEI: 254900B7OQXWTD0I4K81) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
6
Insufficient cash
3
Debt-to-income ratio
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 80 66 $217,750
Refinancing 24 18 $122,917
Home Improvement 22 16 $58,636
Other 20 15 $68,000
Cash-out Refinancing 19 17 $76,053

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 142 80.3% 4.9%
Black or African American 6 66.7% 0.0%
Joint 4 50.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 121 81.0% 4.1%
Hispanic or Latino 25 72.0% 8.0%
Joint 6 66.7% 0.0%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare The First National Bank of Hughes Springs vs Nationstar Mortgage →

Mortgage Lending Guides

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Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did The First National Bank of Hughes Springs process?
The First National Bank of Hughes Springs processed 165 mortgage applications in the 2023 HMDA reporting year. Of these, 132 were originated (approved and funded), 26 were withdrawn by the applicant, and 7 were denied.
What is The First National Bank of Hughes Springs's mortgage approval rate?
The First National Bank of Hughes Springs has an approval (origination) rate of 80.0%, meaning 80.0% of all applications resulted in a funded mortgage. The denial rate is 4.2%.
What is the average loan amount at The First National Bank of Hughes Springs?
The average mortgage loan amount at The First National Bank of Hughes Springs is $148,273.
What are the most common reasons for mortgage denial at The First National Bank of Hughes Springs?
The most common reasons for mortgage denial at The First National Bank of Hughes Springs are: Credit history, Insufficient cash, Debt-to-income ratio. In total, 7 applications were denied out of 165 total applications.
What types of mortgage loans does The First National Bank of Hughes Springs offer?
The First National Bank of Hughes Springs processes Conventional loans. The most common type is Conventional with 165 applications and an average loan amount of $148,273.
What loan purposes does The First National Bank of Hughes Springs serve?
The First National Bank of Hughes Springs serves the following loan purposes: Home Purchase (80 applications), Refinancing (24 applications), Home Improvement (22 applications), Other (20 applications), Cash-out Refinancing (19 applications). Home Purchase is the most common purpose.
Where is The First National Bank of Hughes Springs located?
The First National Bank of Hughes Springs is headquartered in Hughes Springs, TX. The lender is identified by LEI 254900B7OQXWTD0I4K81 in HMDA data.
How does The First National Bank of Hughes Springs compare in lending across racial demographics?
The First National Bank of Hughes Springs reports demographic lending data under HMDA requirements. White applicants have an approval rate of 80.3% and denial rate of 4.9%; Black or African American applicants have an approval rate of 66.7% and denial rate of 0.0%; Joint applicants have an approval rate of 50.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.