Applications / Mortgage Analytics / Lenders / Texas / The First State Bank
Louise, TX · State non-member bank · FDIC · $879 million assets · 74 loans in 2025
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74
loans originated, 2025
90
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First State Bank, a Texas lender, makes far bigger loans than its peers, mostly to home buyers, and is gaining share in Victoria, where it ranks 15 of 170 lenders.
Its typical loan in 2025 was $315,000, against $172,500 at the typical similar lender, meaning state non-member banks making between half and twice as many loans. Only about one in eight had larger loans. Purchases made up 82.4% of its lending. Bigger loans tend to go to higher earners, which may be why only 13.2% of its borrowers had low or moderate incomes, against 27.2% at peers.
It ranked 15 of 170 lenders in Victoria, and its share rose to 1.5% from 1.0%. It has lent there since 2001, and in Houston-Pasadena-The Woodlands since at least 1990.
Of its loans, 29.7% went to majority-minority neighborhoods, against 6.5% for the typical peer, higher than about four in five. A year earlier the share was 32.8%.
It made 74 loans, up 16%, faster than the 9% of similar lenders and the whole market's 10%. That compares with 32 in 2018. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.4% · Refinance 10.8% · Home improvement 6.8%
Conventional 100.0% · of 74 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 | 74 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 19 |
| Victoria | 10 |
| College Station-Bryan | 2 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BAR7I9CB7YO393 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 888552 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317588 | 1990–2017 |
Established 7 May 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First State Bank's data.
The First State Bank's data
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The First State 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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