Applications / Mortgage Analytics / Lenders / Texas / First National Bank of Huntsville
Huntsville, TX · National bank · OCC · $589 million assets · 163 loans in 2025
First National Bank of Huntsville's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
163
loans originated, 2025
185
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Huntsville, a national bank with a big book of manufactured-home loans, made 30% more loans in 2025 than in 2024.
Manufactured homes made up 15.3% of its loans, against 1.7% at similar lenders (national banks making between half and twice as many loans), a higher share than at about nine in ten of them. Home improvement took 13.5%. Its typical loan was $135,000, against $185,000 at peers.
Its loans rose 30%, to 163, against 5% at similar lenders and 10% across the market, faster than at about four in five peers. The rise followed a fall to 125 in 2024; it made 201 loans in 2021.
Majority-minority areas took 36.8% of its loans, against 7.4% at peers, a higher share than at about nine in ten. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 21.5%, against 15.3%. LMI borrowers took 15.7%, against 25.0% at peers; the incomes of borrowers in the counties it serves are a possible reason.
In College Station-Bryan, TX its share rose to 0.6% from 0.2%, and it ranks 37 of 377 lenders. In non-metro Texas, its largest market, it ranks 100 of 831.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Huntsville took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.2% · Refinance 23.9% · Home improvement 13.5% · Other 7.4%
Conventional 100.0% · of 163 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 | 163 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| College Station-Bryan | 27 |
| Houston-Pasadena-The Woodlands | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YJOY30UROEAG69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 583352 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14208 | 2009–2017 |
Established 1 January 1890. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: First National Bank of Huntsville's data.
First National Bank of Huntsville's data
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First National Bank of Huntsville 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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