Applications / Mortgage Analytics / Lenders / Texas / First State Bank
Clute, TX · State non-member bank · FDIC · $459 million assets · 144 loans in 2025
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144
loans originated, 2025
171
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, a small Texas bank, lends more for home improvement than for anything else, and more of its loans go to majority-minority neighborhoods than at almost any similar bank.
Home improvement took 36.8% of its loans in 2025 and purchases 34.7%. Refinancing was only 6.9%, and every loan was conventional. Its typical loan was $105,000, against $175,000 at similar lenders, state non-member banks making between half and twice as many loans. That fits a home-improvement lender.
Majority-minority neighborhoods took 41.0% of its loans, up from 30.6%, against 4.9% at similar lenders. That is more than at nine in ten of them. Its largest market is Houston-Pasadena-The Woodlands, and the make-up of the neighborhoods it serves there may explain much of this.
Low- and moderate-income borrowers took 19.7% of its loans, against 28.4% at similar lenders, fewer than at about three in four. The share rose from 17.1%. One possible reason is its mix, which leans to home improvement rather than purchases.
It made 144 loans, up 7% from 134, close to the 9% at similar lenders. Its count has risen in every reported year since 2023. It filed no reports for 2020 to 2022, a gap in the record. It has lent in Houston-Pasadena-The Woodlands since at least 1990 and ranks 268 of 929 lenders there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First State Bank took 171 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.8% · Purchase 34.7% · Other 21.5% · Refinance 6.9%
Conventional 100.0% · of 144 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 | 144 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 138 |
| Austin-Round Rock-San Marcos | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930025OQ7Y7X795P35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 796152 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317950 | 1990–2017 |
Established 16 October 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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