Applications / Mortgage Analytics / Lenders / Texas / First National Bank Texas
Killeen, TX · National bank · OCC · $4.5 billion assets · 1,212 loans in 2025
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1,212
loans originated, 2025
1,564
applications, 2025
23
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank Texas is a home-purchase lender built on government-backed loans, and in 2025 it grew 28%, faster than most similar lenders, while ranking fifth in its home market of Killeen-Temple, TX.
Loans insured by the Federal Housing Administration (FHA) were 43.4% of its originations and loans guaranteed by the Department of Veterans Affairs (VA) 27.3%, against 2.4% and 1.1% at the typical similar lender (national banks making between half and twice as many loans). Home purchases were 89.9% of its lending. Few national banks of its size lend this way; its conventional share, 28.5%, was among the lowest of the 38 similar lenders.
Its loan count rose 28%, from 945 to 1,212, higher than about five in six similar lenders, whose typical growth was 10%. In Killeen-Temple, TX it ranked 5 of 394 but its share fell from 4.7% to 4.0%, while in Corpus Christi, TX it rose from 0.3% to 1.0%. The lower home share may reflect rivals growing faster there or its own growth going to other markets; it lent in 23 states in 2025.
Low- and moderate-income (LMI) neighbourhoods took 21.6% of its loans, more than about four in five similar lenders, and majority-minority areas 59.8%, against 8.1% for the typical one.
Its purchase denial rate was 2.4%, lower than most similar lenders, whose typical rate was 5.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank Texas took 1,564 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.9% · Refinance 7.0% · Home improvement 1.8% · Other 1.3%
FHA 43.4% · Conventional 28.5% · VA 27.3% · USDA (RHS or FSA) 0.8% · of 1,212 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 | 1,094 | 90.3% |
| Arizona | 46 | 3.8% |
| Ohio | 17 | 1.4% |
| New Mexico | 13 | 1.1% |
| Michigan | 8 | 0.7% |
| Florida | 6 | 0.5% |
| Arkansas | 3 | 0.2% |
| Georgia | 3 | 0.2% |
| Oklahoma | 3 | 0.2% |
| Washington | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 420 |
| El Paso | 245 |
| Corpus Christi | 88 |
| Amarillo | 44 |
| Phoenix-Mesa-Chandler | 43 |
| Dallas-Plano-Irving | 37 |
| Waco | 36 |
| Austin-Round Rock-San Marcos | 22 |
| Midland | 20 |
| Fort Worth-Arlington-Grapevine | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006KQF5UKZ3Y9N07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613950 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15750 | 1990–2017 |
Established 27 February 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank Texas's data.
First National Bank Texas's data
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First National Bank Texas 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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