Applications / Mortgage Analytics / Lenders / Texas / First National Bank of Central Texas
Waco, TX · National bank · OCC · $1.6 billion assets · 141 loans in 2025
First National Bank of Central Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
141
loans originated, 2025
157
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Central Texas made 27% more loans in 2025 than in 2024 and gained share in Waco and College Station.
It made 141 loans, up from 111 in 2024. That rise of 27% was faster than at about four in five similar lenders (national banks making between half and twice as many loans), which grew 6%. The count is still well below the 289 it made in 2021. Purchases were 61.0% of its loans and refinances 36.2%.
In Waco it ranked 17 of 368 lenders with 1.6% of the market, up 0.2 points; SWBC Mortgage led. In College Station-Bryan its share rose to 0.7% from 0.5%, and it ranked 32 of 377.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 23.2% of its loans, against 15.3% at similar lenders, more than at about three in four of them. Majority-minority areas took 26.2%, against 7.3%, more than at about four in five.
LMI borrowers took 9.2% of its loans, against 25.0% at similar lenders and 20.3% at this bank in 2024. Buyers in poorer areas may earn more than the LMI limit. And on 141 loans, a few loans move the share a long way.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Central Texas took 157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.0% · Refinance 36.2% · Home improvement 2.8%
Conventional 100.0% · of 141 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 | 141 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 91 |
| College Station-Bryan | 16 |
| Killeen-Temple | 14 |
| Houston-Pasadena-The Woodlands | 2 |
| Abilene | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B3LJV7BU7IY610 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 369659 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15850 | 1990–2017 |
Established 12 August 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank of Central Texas's data.
First National Bank of Central Texas's data
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First National Bank of Central 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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