Applications / Mortgage Analytics / Lenders / Texas / First United Bank
Dimmitt, TX · State non-member bank · FDIC · $2.5 billion assets · 384 loans in 2025
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384
loans originated, 2025
417
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First United Bank, a Texas bank that mostly finances home purchases, makes far more government-backed loans than its peers and ranked 7 of 258 lenders in Amarillo in 2025.
FHA loans (insured by the Federal Housing Administration) made up 20.6% of its lending, up from 11.3% in 2020. At similar lenders (state non-member banks making between half and twice as many loans) the typical share was 0.0%, so its share was higher than at nearly all of them. VA loans (guaranteed by the Department of Veterans Affairs) were 3.6%. Purchases made up 80.5% of its loans.
In Amarillo, where it has lent since 1998, its share rose from 3.0% to 3.3%; Amarillo National Bank led. In Lubbock, its market since 1995, it ranked 20 of 341 with 1.4%, unchanged, and in Wichita Falls its share rose from 0.1% to 0.4%. Majority-minority areas took 22.9% of its loans, against 6.7% at peers.
It made 384 loans, up 14%, while similar lenders grew 9% and the whole market 10%; it grew faster than about two-thirds of them. That is still about half the 745 it made in 2020.
Its typical rate was 6.43%, against 6.75% at peers, lower than at about five in six. Its denial rate on home-purchase applications was 2.8%, against 4.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 United Bank took 417 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.5% · Refinance 18.8% · Home improvement 0.8%
Conventional 74.0% · FHA 20.6% · VA 3.6% · USDA (RHS or FSA) 1.8% · of 384 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 | 375 | 97.7% |
| New Mexico | 4 | 1.0% |
| Ohio | 2 | 0.5% |
| Arkansas | 1 | 0.3% |
| Minnesota | 1 | 0.3% |
| Mississippi | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amarillo | 156 |
| Lubbock | 89 |
| Wichita Falls | 12 |
| Dallas-Plano-Irving | 6 |
| Fort Worth-Arlington-Grapevine | 4 |
| Abilene | 2 |
| College Station-Bryan | 2 |
| Columbus | 2 |
| Midland | 2 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DDDXGC8OXLNZ36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 578255 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312769 | 1995–2017 |
Established 7 March 1907. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: First United Bank's data.
First United Bank's data
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First United Bank 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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