Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Hughes Springs
Hughes Springs, TX · National bank · OCC · $316 million assets · 107 loans in 2025
The First National Bank of Hughes Springs's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
107
loans originated, 2025
126
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Hughes Springs made 19% fewer loans in 2025 while similar banks grew 6%, yet its lending has shifted toward lower-income areas over five years.
Its change was lower than nearly nine in ten similar lenders (national banks making between half and twice as many loans). Its count has stayed between 103 and 140 since 2018, so 2025 sits inside that range. Weaker local demand could explain the dip.
Its typical loan was $105,000, among the lowest tenth of similar banks, against their $185,000. Manufactured homes were 12.1% of its loans, against 1.6% for similar banks; they, and lower home prices in its rural Texas counties, may explain much of that gap.
23.4% of its loans were in LMI (low- and moderate-income) tracts, up from 3.9% five years earlier and higher than about three in four similar banks. Its majority-minority tract share rose from 5.8% to 14.9%. A change in which of its 19 counties it lends in may explain the shift.
It ranks 50 of 306 lenders in Longview, where its share fell 0.2 points to 0.4%, and its Waco share slipped from 0.4% to 0.1%. With shares this small, a few loans either way can move them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The First National Bank of Hughes Springs took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.3% · Refinance 29.9% · Home improvement 11.2% · Other 5.6%
Conventional 100.0% · of 107 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 | 104 | 97.2% |
| Louisiana | 3 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Longview | 37 |
| Waco | 10 |
| Texarkana | 5 |
| Shreveport-Bossier City | 3 |
| Tyler | 2 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900B7OQXWTD0I4K81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 849357 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16922 | 1993–2017 |
Established 3 June 1903. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Hughes Springs's data.
The First National Bank of Hughes Springs's data
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The First National Bank of Hughes Springs 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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