Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Sonora
Sonora, TX · National bank · OCC · $684 million assets · 87 loans in 2025
The First National Bank of Sonora's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
87
loans originated, 2025
91
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Sonora rebounded sharply in 2025, with originations up 71% and dollars about doubled, much of it in larger loans and a bigger position in San Angelo.
Originations rose 71% to 87, higher than nearly all similar lenders (national banks making between half and twice as many loans), whose typical growth was 6%, against 10% for the whole market. Lending dollars about doubled, from $19.5 million to $40.8 million. The 2024 figure of 51 was its lowest since 2018, so part of the jump is a return to its 2018 and 2019 level.
Its typical loan of $265,000 is higher than about three in four similar lenders, whose typical loan is $180,000, and 13.2% of its loans were jumbo (larger than the conforming limit), against 2.9%. That jumbo share rests on few loans but has held near that level for five years.
In San Angelo, TX, a market it has served since 1994, its share rose 0.7 points to 1.3%, ranking 18 of 191 lenders.
31.0% of its loans were in majority-minority tracts, higher than more than four in five peers, whose typical figure is 7.7%. Low- and moderate-income borrowers took 11.3%, lower than more than four in five, and down from 22.5% in 2024. Its larger loans may explain part of the low LMI borrower share, and the make-up of the neighbourhoods in its 17 counties could account for the majority-minority figure.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Sonora took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.3% · Refinance 20.7% · Home improvement 13.8% · Other 9.2%
Conventional 100.0% · of 87 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 | 86 | 98.9% |
| Oklahoma | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 29 |
| San Angelo | 26 |
| Austin-Round Rock-San Marcos | 17 |
| College Station-Bryan | 1 |
| Corpus Christi | 1 |
| Lubbock | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CUL44QXBGFJM68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 591366 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15466 | 1994–2017 |
Established 1 January 1900. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Sonora's data.
The First National Bank of Sonora's data
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The First National Bank of Sonora 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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