Applications / Mortgage Analytics / Lenders / Texas / Commercial Bank of Texas
Nacogdoches, TX · National bank · OCC · $1.6 billion assets · 418 loans in 2025
Commercial Bank of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
418
loans originated, 2025
534
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Bank of Texas is a purchase lender that, unlike most similar national banks, makes government-backed loans, and it lends more in poorer and minority areas than its peers.
Loans insured by the Federal Housing Administration (FHA) were 6.5% of its lending and those guaranteed by the Department of Veterans Affairs (VA) 1.4%. At similar lenders (national banks making between half and twice as many loans) the typical share of each was 0.0%. Purchases were 71.8% of its loans, and manufactured homes 5.7%, against 1.3%.
Majority-minority areas took 20.1% of its loans, against 7.3% at similar lenders, and low- and moderate-income (LMI) areas 20.7%, against 15.7%. Yet LMI borrowers took only 11.1%, against 27.0%, among the lowest tenth. Its larger typical loan, $220,000, and the incomes of borrowers in its markets could be part of the reason.
Originations rose 1% to 418, against 5% at similar lenders and 10% for the whole market. It turned down 1.9% of first-lien home-purchase applications, against 6.2% at its peers, fewer than at about nine in ten of them.
It made 1,188 loans in 2020. The fall since may reflect fewer refinances, now 18.2% of its lending. In Longview its share rose 0.3 points to 0.3%, ranking it 63 of 306.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Bank of Texas took 534 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.8% · Refinance 18.2% · Other 7.9% · Home improvement 2.2%
Conventional 92.1% · FHA 6.5% · VA 1.4% · of 418 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 | 409 | 97.8% |
| Tennessee | 2 | 0.5% |
| Colorado | 1 | 0.2% |
| Florida | 1 | 0.2% |
| Georgia | 1 | 0.2% |
| Indiana | 1 | 0.2% |
| Louisiana | 1 | 0.2% |
| New Mexico | 1 | 0.2% |
| Washington | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 42 |
| Houston-Pasadena-The Woodlands | 13 |
| Longview | 13 |
| Fort Worth-Arlington-Grapevine | 6 |
| Beaumont-Port Arthur | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Sherman-Denison | 2 |
| Tyler | 2 |
| Albuquerque | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M16XETIG2Z5N24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 885869 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114371 | 2009–2017 |
Established 14 October 1901. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Commercial Bank of Texas's data.
Commercial Bank of Texas's data
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Commercial Bank of 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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