Applications / Mortgage Analytics / Lenders / Texas / The Jacksboro National Bank
Jacksboro, TX · National bank · OCC · $295 million assets · 95 loans in 2025
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95
loans originated, 2025
115
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Jacksboro National Bank, a Texas lender, makes far more government-backed loans than similar banks, but its lending has shrunk every year since 2021.
About a fifth of its loans were government-backed: 8.4% insured by the Federal Housing Administration (FHA), 10.5% guaranteed by the Department of Veterans Affairs (VA) and 2.1% guaranteed by the Department of Agriculture's Rural Housing Service (RHS). The typical similar lender (national banks making between half and twice as many loans) made none of these. Home purchases made up 80.0% of its loans.
Its loans fell from 391 in 2021 to 95 in 2025. The latest fall, 25%, came while similar lenders grew 6% and the whole market 10%, putting it among the lowest tenth of its peers. Part of the fall may be the end of an unusually busy 2020 and 2021, when it made far more loans than the 202 of 2018, though it has since dropped below that level too.
Wichita Falls is its largest market, where it has lent since 2014. It ranks 9 of 209 lenders there, but its share fell to 2.7% from 3.6%. The fall may simply follow its smaller total lending rather than a loss to any one rival.
Its typical loan rose to $225,000, from $185,000 in 2024 and $155,000 in 2020, and is now above the $175,000 of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Jacksboro National Bank took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.0% · Refinance 15.8% · Home improvement 2.1% · Other 2.1%
Conventional 78.9% · VA 10.5% · FHA 8.4% · USDA (RHS or FSA) 2.1% · of 95 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 | 93 | 97.9% |
| New Mexico | 1 | 1.1% |
| Oklahoma | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 59 |
| Fort Worth-Arlington-Grapevine | 6 |
| Dallas-Plano-Irving | 2 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C720KB2QRAC051 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 924058 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17814 | 2014–2017 |
Established 1 January 1905. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: The Jacksboro National Bank's data.
The Jacksboro National Bank's data
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The Jacksboro 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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