Applications / Mortgage Analytics / Lenders / Texas / First National Bank of Bosque County
Valley Mills, TX · National bank · OCC · $189 million assets · 56 loans in 2025
First National Bank of Bosque County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
64
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Bosque County, a small Texas bank, grew 51% in 2025, and nearly a third of its loans were for home improvement.
It made 56 loans, up 51% from 37, a faster rise than at about nine in ten similar lenders (national banks making between half and twice as many loans). Peers grew 2% and the whole market 10%. It is still short of the 65 loans it made in 2020.
Home improvement made up 32.1% of its loans, purchases 55.4% and refinances 12.5%. Its typical rate, 6.50%, was lower than at about three-quarters of peers, whose typical rate was 6.88%. None of its loans were higher-priced (a rate well above the average for similar loans).
Low- and moderate-income (LMI) neighborhoods took 3.6% of its loans, against 16.7% at peers, fewer than at more than nine in ten of them. LMI borrowers took 14.6%, against 23.4%. The 8 counties it lends in may hold few LMI neighborhoods. With 56 loans, a few loans also move these shares; a year earlier the neighborhood share was 10.8%.
It ranks 36 of 368 lenders in Waco, its largest market, and its share rose to 0.7% from 0.6%. SWBC Mortgage leads. In 2025 it entered San Antonio-New Braunfels, Colorado Springs and Joplin, with too few loans in each to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Bosque County took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.4% · Home improvement 32.1% · Refinance 12.5%
Conventional 100.0% · of 56 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 | 54 | 96.4% |
| Colorado | 1 | 1.8% |
| Missouri | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 49 |
| College Station-Bryan | 1 |
| Colorado Springs | 1 |
| Dallas-Plano-Irving | 1 |
| Joplin | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900REMJXT9T25JI51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 198961 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113675 | 1996–2017 |
Established 1 August 1908. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: First National Bank of Bosque County's data.
First National Bank of Bosque County's data
$215
First National Bank of Bosque County 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.
Buy First National Bank of Bosque County's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]