Applications / Mortgage Analytics / Lenders / Texas / Community Bank & Trust, Waco, Texas
Waco, TX · State non-member bank · FDIC · $638 million assets · 112 loans in 2025
Community Bank & Trust, Waco, Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
112
loans originated, 2025
180
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank & Trust, Waco, Texas lends far more in poorer and majority-minority neighborhoods than its peers, and ranks 14 of 368 lenders at home. But its volume fell in 2025.
Low- and moderate-income (LMI) neighborhoods took 34.6% of its loans and majority-minority areas 36.6%, against 18.2% and 6.1% at similar lenders (state non-member banks making between half and twice as many loans). Both were higher than at more than eight in ten of those peers. It lends in just 3 counties, all in Texas, so their makeup shapes these shares.
Home improvement made up 25.0% of its lending, beside purchases at 49.1% and refinances at 22.3%. All its loans were conventional.
It made 112 loans, down 7% from 120, while similar lenders grew 9% and the whole market 10%. Its dollar total fell from $42.1 million to $28.7 million. Its count peaked at 204 in 2022 and has fallen each year since.
In Waco, TX, where it has lent since at least 1990, its share fell from 2.3% to 1.7%, in a market that grew. The fall matches its lower dollar total. SWBC Mortgage led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Bank & Trust, Waco, Texas took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.1% · Home improvement 25.0% · Refinance 22.3% · Other 3.6%
Conventional 100.0% · of 112 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 | 101 | 90.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 101 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490070QB5LWJ9JID79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 549862 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317108 | 1990–2017 |
Established 14 May 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Bank & Trust, Waco, Texas's data.
Community Bank & Trust, Waco, Texas's data
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Community Bank & Trust, Waco, Texas 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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