Applications / Mortgage Analytics / Lenders / Texas / Lamar National Bank
Paris, TX · National bank · OCC · $376 million assets · 47 loans in 2025
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47
loans originated, 2025
92
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lamar National Bank, a national bank in Paris, Texas, lends mostly to home buyers and grew much faster than similar banks in 2025, though from a low base.
It made 47 loans in 2025, up 38% on 2024. Similar lenders, national banks making between half and twice as many loans, grew 2%, and Lamar grew faster than about five in six of them. The base is small: it made 115 loans in 2019, its first year of reports, and 34 in 2024.
Home purchases made up 70.2% of its loans and refinances 27.7%. All of it was conventional. Its typical loan, $235,000, was higher than the $175,000 at similar banks and higher than about two-thirds of them.
Low- and moderate-income neighborhoods took 25.5% of its loans, against 16.7% at similar banks, higher than about seven in ten of them. The share was 8.8% in 2024, but on 34 loans that year little can be read into the swing.
In Sherman-Denison its share rose to 0.4% from 0.1%, ranking it 57 of 343 lenders. In College Station it fell to almost nothing from 0.4%; for a lender this small, a few loans either way make that change. In 2024 it also bought 25 loans from other lenders and in 2025 none. It filed no report for 2023.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Lamar National Bank took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.2% · Refinance 27.7% · Home improvement 2.1%
Conventional 100.0% · of 47 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 | 44 | 93.6% |
| Ohio | 2 | 4.3% |
| Oklahoma | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 9 |
| Sherman-Denison | 8 |
| Fort Worth-Arlington-Grapevine | 3 |
| Akron | 2 |
| College Station-Bryan | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| Tyler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BM3N9MMKAA9U54 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2161 | 2019–2022 |
Established 26 October 1981. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Lamar National Bank's data.
Lamar National Bank's data
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Lamar National Bank 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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