Applications / Mortgage Analytics / Lenders / Texas / The Waggoner National Bank of Vernon
Vernon, TX · National bank · OCC · $343 million assets · 48 loans in 2025
The Waggoner National Bank of Vernon's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
48
loans originated, 2025
53
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Waggoner National Bank of Vernon is a small Texas bank that makes more loans to fix up homes than to buy them.
Home improvement accounted for 41.7% of its loans in 2025 and other purposes for 18.8%. Purchases were 35.4% and refinancing only 4.2%. Every loan was conventional. That looks like a bank serving people who already own homes, not a purchase-mortgage shop.
The typical loan was $65,000, against $185,000 at similar lenders (national banks making between half and twice as many loans), smaller than almost all of them. Its mix may explain much of this, since home-improvement and other-purpose loans tend to be small.
It made 48 loans, against 47 the year before, a rise of 2%, the same as similar lenders and below the whole market's 10%. Volume is lower than the 87 of 2018. It filed no report for 2021 or 2022, so the record has a gap there rather than a fall to nothing.
Its largest market is rural Texas, where it ranked 284 of 831 lenders. In Wichita Falls, where it has lent since 2000, it ranked 70 of 209 and its share eased to 0.1% from 0.2%; at this size a loan or two could account for the dip. American National Bank & Trust led that market. Its few loans in Austin and San Antonio barely register.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Waggoner National Bank of Vernon took 53 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.7% · Purchase 35.4% · Other 18.8% · Refinance 4.2%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 7 |
| Austin-Round Rock-San Marcos | 2 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004NC9AQ00THAD39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 548267 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15203 | 2000–2017 |
Established 3 July 1899. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: The Waggoner National Bank of Vernon's data.
The Waggoner National Bank of Vernon's data
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The Waggoner National Bank of Vernon 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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