Applications / Mortgage Analytics / Lenders / Texas / Moody National Bank
Galveston, TX · National bank · OCC · $1.6 billion assets · 60 loans in 2025
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60
loans originated, 2025
104
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Moody National Bank, a Galveston lender since at least 1990, spreads its small book evenly across buying, refinancing and improving homes.
Refinancing made up 30.0% of its loans, purchases and home improvement 25.0% each, and other purposes 20.0%. Every loan was conventional. Its typical loan, $170,000, was close to the $180,000 of similar lenders (national banks making between half and twice as many loans).
It made 60 loans, down 20% from 75, while similar banks grew 2%; its fall was steeper than about five in six of theirs. Its count swings: 154 in 2018, 86 in 2019 and 48 in 2023. With so few loans, a handful of applications can move a year.
Jumbo loans (larger than the conforming limit) made up 14.3% of its lending, against 3.2% at similar banks, a higher share than more than four in five of them. That is down from 27.9% in 2024.
Majority-minority neighborhoods took 21.7% of its loans, against 8.1% at similar banks, a higher share than about two-thirds. That may reflect where it lends: its largest market is Houston-Pasadena-The Woodlands, where it ranked 351 of 929 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Moody National Bank took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.0% · Home improvement 25.0% · Purchase 25.0% · Other 20.0%
Conventional 100.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 40 |
| San Antonio-New Braunfels | 13 |
| Austin-Round Rock-San Marcos | 6 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009ZFRBMAYWB2F82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 253356 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18899 | 1990–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Moody National Bank's data.
Moody National Bank's data
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