Applications / Mortgage Analytics / Lenders / Texas / Texas First Bank
Texas City, TX · State member bank · FRS · $2.4 billion assets · 56 loans in 2025
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56
loans originated, 2025
80
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas First Bank, a Texas City lender that mostly finances home purchases, makes about a quarter as many home loans as it did in 2022.
The bank made between 150 and 213 loans a year from 2018 to 2022, then 109 in 2023 and 48 in 2024. Its 17% rise in 2025 was faster than at about three in five similar lenders, state member banks making between half and twice as many loans, which grew by 7%. The record does not say why volume fell; it may have followed demand in the handful of markets it serves.
Home purchases made up 62.5% of its loans, home improvement 16.1% and other purposes 12.5%; refinances were only 8.9%. All were conventional. Its typical loan, $210,000, is larger than similar banks' $175,000, though down from $330,000 in 2024.
In Beaumont-Port Arthur it ranks 68 of 289 lenders, and its share rose to 0.3% from 0.0%. It has lent there since 1993. United Wholesale Mortgage and Neches Federal Credit Union lead that market. In Houston, its largest market, it ranks 332 of 929.
Majority-minority neighborhoods took 28.6% of its loans, against 7.1% at similar banks, more than at four in five. Borrowers with low or moderate incomes took 11.6%, against 24.6%, lower than at four in five. Its larger, purchase-led loans may draw higher-income borrowers; on 56 loans, a few loans move the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas First Bank took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.5% · Home improvement 16.1% · Other 12.5% · Refinance 8.9%
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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 51 |
| Beaumont-Port Arthur | 3 |
| Brownsville-Harlingen | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007WOQE7MEFUB492 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 473266 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2473266 | 1995–2017 |
Established 23 April 1982. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Texas First Bank's data.
Texas First Bank's data
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