Applications / Mortgage Analytics / Lenders / Texas / American First National Bank
Houston, TX · National bank · OCC · $2.9 billion assets · 28 loans in 2025
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28
loans originated, 2025
30
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American First National Bank, a Houston bank with $2.9 billion in assets, makes few home loans, 28 in 2025, but large ones.
Its 28 loans were fewer than the 39 of the typical similar lender, meaning other national banks making between half and twice as many loans. Yet they came to $39.7 million, against similar lenders' $11.0 million, more than about nine in ten of them.
Its typical loan was $505,000 in 2025, up from $415,000 in 2024 and $305,000 in 2020. Similar lenders' typical loan was $175,000. All its loans were conventional, and about four in five were for home purchase.
Its loans rose 22% in 2025, while similar lenders' fell 11% and the whole market grew 10%. The rise follows a slide from 71 loans in 2021 to 23 in 2024. With so few loans, a handful either way moves these figures, and its shares of lending in poorer or minority neighborhoods are too small to read much into.
Texas is its main state; it lent in 5 states and 6 metros. In Houston it ranked 221 of 929 lenders, with 0.1% of the market. After its 2011 merger with First International Bank, that bank's filings count as its own in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American First National Bank took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.6% · Refinance 21.4%
Conventional 100.0% · of 28 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 | 15 | 53.6% |
| Nevada | 7 | 25.0% |
| California | 4 | 14.3% |
| Louisiana | 1 | 3.6% |
| New York | 1 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 14 |
| Las Vegas-Henderson-North Las Vegas | 7 |
| Los Angeles-Long Beach-Glendale | 4 |
| Hammond | 1 |
| New York-Jersey City-White Plains | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B190GPYLAX3Y92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2694681 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123521 | 1999–2017 |
Established 18 May 1998. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: American First National Bank's data.
American First National Bank's data
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American First 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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