Applications / Mortgage Analytics / Lenders / Texas / Texas National Bank
Mercedes, TX · National bank · OCC · $1.2 billion assets · 119 loans in 2025
Texas National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
119
loans originated, 2025
148
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas National Bank lends mainly in McAllen and Brownsville: 87.4% of its 2025 loans were in majority-minority tracts, higher than nearly all similar banks, and it gained share in McAllen while its loan count fell 14%.
It ranks 17 of 295 lenders in McAllen-Edinburg-Mission, where it has reported since before 1990, and its share rose to 1.7% from 1.5%. In Brownsville-Harlingen it held 1.1%. Its majority-minority share may mirror the population of these markets.
Similar lenders here are national banks making between half and twice as many loans; their count rose 4%. Texas National Bank's fell from 138 to 119, a change lower than more than four in five of them, though well above the 70 of 2020. Smaller volumes in distant markets such as Nashville and San Antonio may account for part of it.
Its typical loan of $275,000 was higher than about three in four similar banks, and purchase loans were 59.7% of its lending. Its LMI (low- and moderate-income) borrower share of 12.8% was lower than more than four in five; larger purchase loans may reach higher-income buyers. FHA loans (insured by the Federal Housing Administration) appeared this year, too few to read much into.
Its count jumped from 70 in 2020 to 134 in 2021 and has stayed between 111 and 141 since, while lending by value rose from $21.2 million to $50.7 million. Loans in LMI areas were 20.7%, higher than about two-thirds of similar banks.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas National Bank took 148 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.7% · Refinance 34.5% · Other 5.9%
Conventional 92.4% · FHA 7.6% · of 119 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 | 112 | 94.1% |
| Tennessee | 7 | 5.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| McAllen-Edinburg-Mission | 74 |
| Brownsville-Harlingen | 31 |
| Nashville-Davidson--Murfreesboro--Franklin | 7 |
| San Antonio-New Braunfels | 2 |
| Dallas-Plano-Irving | 1 |
| El Paso | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BG31WZXGJRH472 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 497954 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111879 | 1990–2017 |
Established 26 November 1920. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Texas National Bank's data.
Texas National Bank's data
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Texas 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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