Applications / Mortgage Analytics / Lenders / Texas / FirstBank Southwest
Amarillo, TX · State non-member bank · FDIC · $1.9 billion assets · 248 loans in 2025
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248
loans originated, 2025
346
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FirstBank Southwest, an Amarillo purchase lender with an unusually large share of loans in majority-minority neighborhoods, made a quarter fewer loans in 2025.
It made 248 loans, 25% fewer than in 2024, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. Its dollars fell less, from $56.5 million to $52.3 million. Fewer loans insured by the Federal Housing Administration (FHA), whose share fell from 10.3% to 6.0%, may account for part of the drop; competition or a change in its own focus could be others.
In Amarillo, where it has lent since at least 1990, it ranks 13 of 258 lenders, but its share fell from 2.9% to 2.1%. Amarillo National Bank leads. Its own fall in loans could account for this, and since shares are measured in dollars, a few large loans by others also move them.
FHA loans made up 6.0% of its lending, and loans guaranteed by the Department of Veterans Affairs (VA) 2.0%; the typical similar lender made none. Purchases were 63.7% of its loans. Its typical rate was 7.34%, against 6.75%; its FHA and home-improvement lending may account for that.
Majority-minority areas took 29.0% of its loans, against 6.4% at similar lenders, though down from 41.5% in 2024. Low- and moderate-income neighborhoods took 20.2%, against 17.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FirstBank Southwest took 346 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.7% · Refinance 21.4% · Home improvement 10.9% · Other 4.0%
Conventional 91.9% · FHA 6.0% · VA 2.0% · of 248 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 | 244 | 98.4% |
| Oklahoma | 4 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amarillo | 122 |
| Fort Worth-Arlington-Grapevine | 4 |
| Lubbock | 3 |
| Tyler | 3 |
| Killeen-Temple | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FRF7HYNM1S7Y12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 840363 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18769 | 1996–2004 |
| Respondent ID (the HMDA filer code before 2018) | 33387 | 2005–2017 |
Established 1 January 1907. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: FirstBank Southwest's data.
FirstBank Southwest's data
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