Applications / Mortgage Analytics / Lenders / Texas / First Liberty Bank
Liberty, TX · State member bank · FRS · $866 million assets · 86 loans in 2025
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86
loans originated, 2025
180
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Liberty Bank's loans rose 62% in 2025, to 86, faster than more than nine in ten similar lenders, in a year when it merged with two other Texas banks.
Its loans rose from 53. Similar lenders, state member banks making between half and twice as many loans, grew 8%, and the whole market 10%. It merged with First National Bank of Alvin and Pearland State Bank in 2025. The mergers may account for some of the rise, though the merged banks' own filings are not counted in its loans. Its count is still below the 186 of 2021. Purchases were 67.4% of its loans, refinancing 16.3% and other purposes 14.0%.
It made 32.6% of its loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.4% at similar lenders, higher than more than four in five of them. Another 19.8% were in majority-minority neighborhoods, against 5.6%. Yet LMI borrowers took only 4.5%, among the lowest tenth. The two can diverge when loans in lower-income tracts go to borrowers with higher incomes; tract detail would show which areas these are.
In Beaumont-Port Arthur, where it has lent since 1990, its share rose 0.4 points to 0.5%, ranking 41 of 289 lenders. In Houston-Pasadena-The Woodlands its share rose to 0.1%. The merged banks' filings count in these market figures, so the mergers may explain part of the gains.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Liberty Bank took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.4% · Refinance 16.3% · Other 14.0% · Home improvement 2.3%
Conventional 100.0% · of 86 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 | 86 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 69 |
| Beaumont-Port Arthur | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IC1SF2RZ8ROR54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 629353 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112850 | 1990–2017 |
Established 1 January 1913. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Liberty Bank's data.
First Liberty Bank's data
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