Applications / Mortgage Analytics / Lenders / Texas / Clear Fork Bank
Albany, TX · National bank · OCC · $984 million assets · 258 loans in 2025
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258
loans originated, 2025
293
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Clear Fork Bank, a Texas national bank, made 53% more loans in 2025 than in 2024, a faster rise than at about nineteen in twenty similar lenders.
Its originations rose 53%, from 169 to 258, against 5% at similar lenders (national banks making between half and twice as many loans) and 10% for the market. From 2018 to 2024 it made between 118 and 169 loans a year. It was renamed from The First National Bank of Albany in 2023.
Its typical loan, $130,000, was lower than the $205,000 at similar lenders, and lower than at nearly nine in ten. Manufactured homes were 8.5% of its loans, against 1.4%, and home improvement 14.3%. Purchases were 54.7% and refinances 26.0%, all conventional. Those smaller loans may explain why its dollar total, $52.3 million, was below the $77.7 million at peers.
In Abilene it ranked 9 of 251 lenders with 1.9%, down from 2.0%, a change small enough to come from a handful of loans. First Financial Bank led. In non-metro Texas, its largest market, it ranked 108 of 831. In 2025 it first lent in non-metro Arkansas and Colorado Springs.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Clear Fork Bank took 293 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.7% · Refinance 26.0% · Home improvement 14.3% · Other 5.0%
Conventional 100.0% · of 258 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 | 256 | 99.2% |
| Arkansas | 1 | 0.4% |
| Colorado | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Abilene | 93 |
| Fort Worth-Arlington-Grapevine | 18 |
| Austin-Round Rock-San Marcos | 2 |
| San Angelo | 2 |
| Colorado Springs | 1 |
| Killeen-Temple | 1 |
| San Antonio-New Braunfels | 1 |
| Wichita Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L34FQYD6PROV86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 340751 | 2018–2023 |
Established 1 January 1883. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Clear Fork Bank's data.
Clear Fork Bank's data
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Clear Fork 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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