Three equal parts
Refinancing was 35.4% of its 48 loans, other purposes 33.3% and purchase 31.3%. All were conventional. Similar lenders, state non-member banks making between half and twice as many loans, made a typical 56 loans.
Applications / Mortgage Analytics / Lenders / Texas / First Lockhart Bank
First Lockhart Bank
Lockhart, TX · State non-member bank · FDIC · $398 million assets · 48 loans in 2025
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48
loans originated, 2025
64
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Lockhart Bank, a small Texas lender rooted in Austin, splits its business almost evenly between refinancing, home purchase and other purposes, and its loans rose by half in 2025.
Growth from a small base
Its loans rose 50% from 32, faster than nearly nine in ten similar lenders, whose typical growth was 4%. It filed no HMDA report for 2020 to 2022, a gap in the record rather than years without lending; it made 57 loans in 2023.
Half in majority-minority areas
It made 50.0% of its loans in majority-minority neighborhoods, against 5.7% at similar lenders, higher than about nine in ten of them. Another 29.8% were in poorer neighborhoods (low- and moderate-income tracts), against 18.5%. With so few loans, a handful moves these shares a long way: in 2024 they were 75.0% and 50.0%.
Rooted in Austin
It has lent in Austin-Round Rock-San Marcos since 1994, ranking 255 of 753 lenders there, and entered Baton Rouge in 2025. In 2025 it also moved from a national to a state charter and was renamed from First-Lockhart National Bank.
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
48 loans in 2025, against a peak of 57 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Lockhart Bank took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
35.4% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 35.4% · Other 33.3% · Purchase 31.3%
Conventional 100.0% · of 48 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 | 47 | 97.9% |
| Louisiana | 1 | 2.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 32 |
| San Antonio-New Braunfels | 4 |
| Baton Rouge | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Killeen-Temple | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RZIWJWJ035S336 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 631150 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113934 | 1994–2017 |
Established 9 January 1934. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Lockhart Bank's data.
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