Applications / Mortgage Analytics / Lenders / Texas / First National Bank in Port Lavaca
Port Lavaca, TX · National bank · OCC · $381 million assets · 58 loans in 2025
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58
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank in Port Lavaca is a Texas home-purchase lender whose loans rose 32% in 2025, and it holds a steady place in Victoria.
Purchases made up 79.3% of its loans and refinances just 10.3%. Its typical loan, $230,000, was larger than at about two-thirds of similar lenders (national banks making between half and twice as many loans), whose typical loan was $175,000.
It made 58 loans, up 32% from 44, a faster rise than at about three-quarters of similar lenders. Peers grew 2% and the whole market 10%. It is still well short of the 153 loans it made in 2020.
Majority-minority neighborhoods took 53.4% of its loans, against 8.0% at peers, more than at nine in ten of them. The 10 Texas counties it lends in may simply hold many such neighborhoods. It made no loans in low- and moderate-income (LMI) neighborhoods, and LMI borrowers took 7.8%, against 23.3% at peers. Its purchase lending and larger loans may draw buyers with higher incomes. With 58 loans, a few loans move these shares a lot: a year earlier LMI borrowers took 22.5%.
It ranks 17 of 170 lenders in Victoria, with a 1.2% share in both years, and has lent there since 2004. United Wholesale Mortgage and TDECU lead.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank in Port Lavaca took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.3% · Refinance 10.3% · Home improvement 6.9% · Other 3.4%
Conventional 100.0% · of 58 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 | 58 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Victoria | 8 |
| Corpus Christi | 3 |
| Austin-Round Rock-San Marcos | 2 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S3XVSI9XULIM45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 855264 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114821 | 2004–2017 |
Established 13 November 1957. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First National Bank in Port Lavaca's data.
First National Bank in Port Lavaca's data
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First National Bank in Port Lavaca 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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