Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Evant
Evant, TX · National bank · OCC · $188 million assets · 63 loans in 2025
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63
loans originated, 2025
72
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Evant, a central Texas bank, made 40% more home loans in 2025, faster growth than most similar banks.
Its loans rose from 45 to 63, faster than more than four in five similar lenders (national banks making between half and twice as many loans), whose typical growth was 3%. The whole market grew 10%. The bank made 81 loans in 2023, so 2025 recovers part of a fall. It filed no report for 2020 to 2022.
Its typical loan shrank to $145,000 from $195,000. In Killeen-Temple, where it has lent since at least 1990, it ranks 60 of 394, but its share slipped from 0.3% to 0.2%. Its dollar total rose, so one possibility is that more of its lending went to its other markets; another is that the market grew faster than its lending there. Fairway Independent Mortgage and DHI Mortgage Company lead that market.
None of its loans went to low- and moderate-income (LMI) neighborhoods, against 16.2% at a typical peer. LMI borrowers took 21.3% of its loans, close to peers' 23.0%. Its loans spread over 11 Texas counties; one possibility is that the areas it serves hold few such neighborhoods.
Purchase loans made up 55.6% of its business and refinancing 42.9%. Home improvement took only 1.6%, so it is a bank for buying and refinancing homes rather than improving them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First National Bank of Evant took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.6% · Refinance 42.9% · Home improvement 1.6%
Conventional 100.0% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 44 |
| Waco | 3 |
| Austin-Round Rock-San Marcos | 1 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Y2VQW872IK0096 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 379153 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112739 | 1990–2017 |
Established 8 October 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Evant's data.
The First National Bank of Evant's data
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The First National Bank of Evant 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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