Applications / Mortgage Analytics / Lenders / Texas / The Brenham National Bank
Brenham, TX · National bank · OCC · $517 million assets · 41 loans in 2025
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41
loans originated, 2025
55
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Brenham National Bank is a small rural Texas lender whose loans are larger than those of most similar banks.
The 14 loans of 2024 were a low point: it made 32 in 2023. Its growth of 193% was faster than at any similar lender (national banks making between half and twice as many loans); the typical one made as many loans as in 2024. Numbers this small swing widely, so the rise says little about a trend.
Its typical loan was $255,000, against $175,000 at similar lenders, larger than at nearly three-quarters of them. Purchases made up 48.8% of its loans, refinances 36.6% and home improvement 14.6%. Every loan was conventional.
Its largest market is non-metro Texas, where it ranks 224 of 831 lenders; Rocket Mortgage and United Wholesale Mortgage lead. In College Station-Bryan it ranks 85 of 377. It has lent in both since 2007, when it first reported, though it filed no report for 2018 to 2022.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Brenham National Bank took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.8% · Refinance 36.6% · Home improvement 14.6%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| College Station-Bryan | 9 |
| Houston-Pasadena-The Woodlands | 6 |
| Austin-Round Rock-San Marcos | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QRAZQ8G8BM6H64 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 227357 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113678 | 2007–2017 |
Established 22 April 1933. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: The Brenham National Bank's data.
The Brenham National Bank's data
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The Brenham 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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