Applications / Mortgage Analytics / Lenders / Texas / The Falls City National Bank
Falls City, TX · National bank · OCC · $591 million assets · 54 loans in 2025
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54
loans originated, 2025
56
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Falls City National Bank is a Texas lender for whom manufactured homes and majority-minority neighborhoods make up far more of its lending than at nine in ten similar banks.
Manufactured homes made up 25.9% of its loans, against 1.0% at similar lenders, other national banks making between half and twice as many loans. Only about one in a hundred of them has a higher share. That may help explain its small loans: the typical one was $125,000, against $185,000 at similar lenders.
Some 55.6% of its loans were in majority-minority neighborhoods, against 8.6% at similar lenders, more than at about nine in ten of them. The share was 59.6% a year earlier. Geography may explain it: it lends across 14 counties around San Antonio-New Braunfels, Corpus Christi and rural Texas.
Its 54 loans were 15% more than the 47 of the year before, while similar lenders grew 2% and the whole market 10%, a faster rise than at about two-thirds of its peers. Its volume has been close to that level for years: 55 in 2020 and 66 in 2023. It filed no report for 2021 or 2022, when a bank making fewer than 100 closed-end loans a year need not report.
It ranks 221 of 669 lenders in San Antonio-New Braunfels, where United Wholesale Mortgage leads, and 195 of 389 in Corpus Christi. Its share of each rounds to 0.0%. Refinances, at 48.1% of its lending, outweigh purchases.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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 Falls City National Bank took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.1% · Purchase 35.2% · Home improvement 9.3% · Other 7.4%
Conventional 100.0% · of 54 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 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 31 |
| College Station-Bryan | 1 |
| Corpus Christi | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LL55GPEKSXNY85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 441050 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18606 | 1994–2017 |
Established 23 March 1907. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The Falls City National Bank's data.
The Falls City National Bank's data
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