Applications / Mortgage Analytics / Lenders / Texas / NewFirst National Bank
El Campo, TX · National bank · OCC · $944 million assets · 40 loans in 2025
NewFirst National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
40
loans originated, 2025
40
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NewFirst National Bank lends mostly in low- and moderate-income and majority-minority neighbourhoods, far more than similar lenders, but its home lending shrank sharply in 2025 while the market grew.
47.5% of its loans were in LMI (low- and moderate-income) tracts, against 17.1% for similar lenders (national banks making between half and twice as many loans), higher than about nine in ten of them. 72.5% were in majority-minority tracts, against 8.2%, higher than almost all. That may follow from where it lends, largely non-metro Texas and smaller metros such as Victoria.
Only 9.1% of its loans went to LMI borrowers, against 23.9% for similar lenders, though up from 3.3% a year earlier. Loans on rural property, or to borrowers whose income is not counted, are possible explanations; with 40 loans, a handful changes this share a lot.
Originations fell 37% to 40, while similar lenders were unchanged and the whole market rose 10%; the drop was steeper than at more than nine in ten similar lenders. It made 120 loans in 2018 and filed no HMDA report from 2020 to 2022. Weaker local demand, or a choice to make fewer loans, could explain the fall.
Its Victoria share fell from 1.2% to 0.5%, leaving it 42 of 170 lenders there. With 40 loans in all, a few loans more or less in one market move its share noticeably.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. NewFirst National Bank took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.5% · Home improvement 15.0% · Refinance 12.5%
Conventional 100.0% · of 40 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 | 40 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 18 |
| Victoria | 13 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001CF53JP3UQ0024 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 938859 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16112 | 2002–2017 |
Established 1 January 1902. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: NewFirst National Bank's data.
NewFirst National Bank's data
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NewFirst National Bank 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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