Applications / Mortgage Analytics / Lenders / Texas / Incommons Bank
Mexia, TX · National bank · OCC · $271 million assets · 60 loans in 2025
Incommons Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
60
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Incommons Bank more than doubled the dollars it lent in 2025 as its typical loan grew, and it gained ground in Waco, its largest market.
Its loan count rose 13% to 60, faster than about three in five similar banks, whose typical count grew 2%. Its dollar total rose more, from $10.7 million to $28.3 million, as its typical loan grew from $105,000 to $155,000. Purchase loans were 55.0% of its lending. The count is still about half the 113 of 2020.
Waco is its largest market, where it ranks 33 of 368 lenders and its share rose 0.7 points from 0.1%. SWBC Mortgage leads there with $83.8M. Elsewhere in Texas its shares remain small.
Only 8.9% of its borrowers were LMI (low- and moderate-income), down from 21.7% and lower than more than four in five similar banks. With 60 loans a few borrowers move this figure, and the shift to larger loans could account for it.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Incommons Bank took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.0% · Refinance 23.3% · Home improvement 15.0% · Other 6.7%
Conventional 100.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 9 |
| Fort Worth-Arlington-Grapevine | 3 |
| Killeen-Temple | 2 |
| San Antonio-New Braunfels | 2 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GXMSA3UUO46130 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 414858 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112190 | 2010–2017 |
Established 1 February 1882. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Incommons Bank's data.
Incommons Bank's data
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Incommons 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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