Applications / Mortgage Analytics / Lenders / Texas / First Bank
Burkburnett, TX · State non-member bank · FDIC · $677 million assets · 620 loans in 2025
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620
loans originated, 2025
783
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank is a Texas purchase lender with large loans and much government-backed lending, whose originations fell 23% in 2025 while similar banks grew.
Purchases were 70.5% of its loans. 14.5% were insured by the Federal Housing Administration (FHA) and 10.2% guaranteed by the Department of Veterans Affairs (VA), where the typical similar lender (state non-member banks making between half and twice as many loans) had none. Its typical loan was $340,000, against $185,000, larger than at nearly nine in ten peers.
Originations fell 23% to 620, while the typical peer grew 9% and the whole market 10%, among the lowest tenth of peers. It made 2,151 loans in 2021. It lends in 15 states and 24 metros. Possible reasons include a choice to lend less or weaker demand in some of those markets; the data do not say which.
It turned down 2.7% of decided home-purchase applications, against 5.1% for peers, and 1.4% of refinance applications, against 13.6%, among the lowest tenth.
It ranks 13 of 209 lenders in Wichita Falls, with 1.6% of the dollars against 2.9% a year earlier, in a market led by American National Bank & Trust and Flat Branch Mortgage; one possible reason is its own lower dollar volume, $241.5 million against $311.6 million. 30.3% of its loans were in majority-minority tracts, against 7.6% for peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 783 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.5% · Refinance 24.8% · Home improvement 4.7%
Conventional 75.0% · FHA 14.5% · VA 10.2% · USDA (RHS or FSA) 0.3% · of 620 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 | 603 | 97.3% |
| Mississippi | 3 | 0.5% |
| North Carolina | 2 | 0.3% |
| Arkansas | 1 | 0.2% |
| Arizona | 1 | 0.2% |
| Colorado | 1 | 0.2% |
| Florida | 1 | 0.2% |
| Massachusetts | 1 | 0.2% |
| Maryland | 1 | 0.2% |
| Michigan | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 264 |
| Fort Worth-Arlington-Grapevine | 104 |
| Austin-Round Rock-San Marcos | 66 |
| Wichita Falls | 64 |
| San Antonio-New Braunfels | 27 |
| Houston-Pasadena-The Woodlands | 17 |
| Sherman-Denison | 16 |
| Waco | 3 |
| Amherst Town-Northampton | 1 |
| Arlington-Alexandria-Reston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LO3MP4RAI32X70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 239659 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2239659 | 2000–2008 |
| Respondent ID (the HMDA filer code before 2018) | 33121 | 2009–2017 |
Established 1 January 1907. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: First Bank's data.
First Bank's data
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