A step down in 2024
Its loans fell from 134 in 2023 to 61 in 2024, and it made 60 in 2025, against 164 in 2020. The figures do not say why. In 2025 its loan count fell 2% while similar banks grew 2%, near the middle of the group.
Applications / Mortgage Analytics / Lenders / Texas / Classic Bank
Classic Bank
Cameron, TX · National bank · OCC · $648 million assets · 60 loans in 2025
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60
loans originated, 2025
86
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Classic Bank, a Texas national bank, has made far fewer loans since 2024, and its loans run larger than most similar banks'.
Bigger loans, more home improvement
Its typical loan was $255,000, against $175,000 at similar lenders (national banks making between half and twice as many loans), higher than about seven in ten of them. Purchases made up 53.3% of its loans and home improvement 25.0%.
Poorer places, fewer poorer borrowers
Only 10.0% of its borrowers had low or moderate incomes (LMI), against 22.8% at similar banks, lower than about four in five. Its larger loans and purchase-led mix may be reasons. Yet 21.7% of its loans were in LMI neighborhoods, against 16.4%, and 16.7% in majority-minority ones, against 8.1%.
Small shares everywhere
In Waco it ranks 118 of 368 lenders, with an unchanged 0.1%. Its 17 counties lie mostly in Texas, and its share is 0.1% or less in each metro it serves.
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
60 loans in 2025, against a peak of 164 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Classic Bank took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
53.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 53.3% · Home improvement 25.0% · Refinance 13.3% · Other 8.3%
Conventional 100.0% · of 60 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
2 states, 5 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Texas | 59 | 98.3% |
| Colorado | 1 | 1.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 13 |
| Waco | 6 |
| Killeen-Temple | 5 |
| College Station-Bryan | 3 |
| Houston-Pasadena-The Woodlands | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XJUBW1WCO2J645 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 182951 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113731 | 2010–2017 |
Established 22 August 1889. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Classic Bank's data.
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