Applications / Mortgage Analytics / Lenders / Texas / First Community Bank
Corpus Christi, TX · State non-member bank · FDIC · $662 million assets · 179 loans in 2025
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179
loans originated, 2025
226
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank is a Corpus Christi home-purchase lender with a government-loan business its peers mostly lack, and most of its loans go to majority-minority areas.
FHA loans (insured by the Federal Housing Administration) were 22.3% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 5.6%. Similar lenders (state non-member banks making between half and twice as many loans) typically made neither. Home purchases were 87.7% of its loans.
Majority-minority areas took 73.7% of its loans, against 6.3% at peers, more than at nearly all of them. Yet low- and moderate-income (LMI) borrowers took only 12.1%, against 27.7%, among the lowest tenth. Its larger typical loan, $225,000 against $175,000, is one possible reason.
In Corpus Christi, where it has lent since 2002, it ranked 12 of 389 lenders with 1.7% of the market, down from 2.0%; DHI Mortgage Company led. Its smaller loan count is one possible reason. In Victoria its share rose to 0.6% from 0.3%.
Originations fell 12% to 179, while similar lenders grew 10%, a change lower than at more than eight in ten peers. Its dollars fell less, to $51.4 million from $54.2 million, as its typical loan rose.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Community Bank took 226 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.7% · Refinance 7.8% · Home improvement 3.4% · Other 1.1%
Conventional 72.1% · FHA 22.3% · VA 5.6% · of 179 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 | 179 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 124 |
| Victoria | 4 |
| San Antonio-New Braunfels | 3 |
| Dallas-Plano-Irving | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| McAllen-Edinburg-Mission | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L4Z4LTG4TJTM66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 339456 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 324353 | 2002–2017 |
Established 7 February 1983. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
First Community Bank's data
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