Applications / Mortgage Analytics / Lenders / Texas / First National Bank and Trust Company of Weatherford
Weatherford, TX · National bank · OCC · $979 million assets · 63 loans in 2025
First National Bank and Trust Company of Weatherford's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
63
loans originated, 2025
117
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank and Trust Company of Weatherford halved its lending in 2025, from 128 loans to 63, a steeper fall than nearly all similar lenders, and its Abilene share fell from 1.1% to 0.2%.
Loans fell 51%, a steeper fall than nearly all similar lenders (national banks making between half and twice as many loans), whose typical lending rose 4%; the whole market rose 10%. Lending had climbed to 180 loans in 2022 after its 2021 merger with First National Bank Baird. A deliberate pullback, a lost loan officer or a shift to holding fewer mortgages are possible reasons.
Its share in Abilene fell from 1.1% to 0.2%, now ranking 73 of 251, where First Financial Bank leads. Much of the year's drop may come from this one market.
Loans in LMI (low- and moderate-income) areas fell from 27.3% to 14.3%, near the middle of its peers, and LMI borrowers took 17.9%, lower than about two-thirds of peers. With 63 loans, a handful of loans moves these shares, and losing Abilene lending may have changed the mix.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First National Bank and Trust Company of Weatherford took 117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.8% · Refinance 15.9% · Other 11.1% · Home improvement 3.2%
Conventional 96.8% · FHA 3.2% · of 63 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 62 | 98.4% |
| Oklahoma | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 23 |
| Abilene | 11 |
| Dallas-Plano-Irving | 4 |
| Houston-Pasadena-The Woodlands | 2 |
| Amarillo | 1 |
| Lubbock | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001LCP9RF6ADEZ78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 614368 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12477 | 1990–2017 |
Established 15 May 1880. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank and Trust Company of Weatherford's data.
First National Bank and Trust Company of Weatherford's data
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First National Bank and Trust Company of Weatherford and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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