Applications / Mortgage Analytics / Lenders / Texas / Falcon International Bank
Laredo, TX · State non-member bank · FDIC · $2.2 billion assets · 69 loans in 2025
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69
loans originated, 2025
106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Falcon International Bank, a lender mostly to home buyers, ranks 5 of 168 lenders in Laredo, where it has lent since 2000.
Its share of the Laredo market was 4.0%, up 0.1 points. In Eagle Pass it also ranks 5, of 73 lenders, though its share fell by 1.2 points to 3.2%; that market is small, so a few loans can move the share. It lends in 7 counties, all in Texas.
It made 69 loans, the same as a year earlier, while similar lenders, banks of the same type making between half and twice as many loans, grew 9%. Its dollar total, $46.9 million, was higher than at about nine in ten of them. Purchases made up 81.2% of its loans, all conventional.
95.7% of its loans were in majority-minority neighborhoods, against 6.7% at similar lenders, the highest among them. That may reflect where it lends: Laredo, McAllen-Edinburg-Mission, Eagle Pass and Brownsville-Harlingen.
Only 4.0% of its loans went to low- and moderate-income (LMI) borrowers, against 27.5% at similar lenders, among the lowest tenth. Yet 24.6% were in LMI neighborhoods, against 18.3%. One possibility is its tilt toward purchases; another is that with 69 loans a few loans move the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Falcon International Bank took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.2% · Refinance 10.1% · Home improvement 5.8% · Other 2.9%
Conventional 100.0% · of 69 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 | 69 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Laredo | 24 |
| Eagle Pass | 16 |
| McAllen-Edinburg-Mission | 14 |
| San Antonio-New Braunfels | 8 |
| Brownsville-Harlingen | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZW58TM1KU8CK35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 564557 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2564557 | 2000–2003 |
| Respondent ID (the HMDA filer code before 2018) | 326856 | 2004–2017 |
Established 10 December 1986. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Falcon International Bank's data.
Falcon International Bank's data
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