Applications / Mortgage Analytics / Lenders / Texas / First Community Bank
San Benito, TX · State non-member bank · FDIC · $779 million assets · 38 loans in 2025
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38
loans originated, 2025
39
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank, of San Benito, Texas, lends mainly to home buyers, and it gained share in Brownsville-Harlingen, its home market since 1990, even as its loans fell to 38 in 2025.
It ranked 18th of 286 lenders in Brownsville-Harlingen, with 1.8% of the market, up 0.6 points. The amount it lent rose to $22.8 million from $20.0 million even though it made fewer loans. In McAllen-Edinburg-Mission its share slipped 0.1 points, to 0.2%.
Its loans fell 34%, from 58 to 38, while similar lenders (state non-member banks making between half and twice as many loans) grew 2%. With counts this small, a few loans make a big difference. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
Majority-minority neighborhoods took 92.1% of its loans, against 6.3% at peers, the highest share among them, which may simply reflect the markets it serves. Low- and moderate-income (LMI) neighborhoods took 27.8%, more than at about seven in ten peers.
Home purchases made up 81.6% of its loans, all of them conventional. Its typical loan, $230,000, was larger than at about seven in ten peers, where it was $165,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Community Bank took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.6% · Refinance 15.8% · Home improvement 2.6%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Brownsville-Harlingen | 27 |
| McAllen-Edinburg-Mission | 9 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XUMLWCTTKR4B35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 334264 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116809 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 322964 | 2017–2017 |
Established 1 October 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
First Community Bank's data
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