A steep drop after 2022
The bank made 124 loans in 2022, then 48 in 2023 and 30 in 2024. The figures do not say why its lending fell by more than half in one year.
Applications / Mortgage Analytics / Lenders / Texas / First Commercial Bank
First Commercial Bank
Seguin, TX · National bank · OCC · $559 million assets · 26 loans in 2025
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26
loans originated, 2025
45
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Commercial Bank, a Seguin bank that has lent around San Antonio since 1990, made 26 home loans in 2025, a fraction of the 124 it made in 2022.
In step with similar banks
Its loans fell 13% in 2025. Similar lenders, national banks making between half and twice as many loans, fell 14%, while the whole market rose 10%. So its 2025 decline was shared by banks of its size rather than peculiar to it. With 26 loans, few of its other measures carry much weight.
Conventional loans for many purposes
Every loan was conventional, as at most similar banks. Home purchases made up 53.8% of its loans, home improvement 19.2% and refinancing 15.4%. With so few loans, that mix can swing a good deal from year to year.
A small player near home
San Antonio-New Braunfels is its largest market, and it has lent there since 1990 and in Corpus Christi since 1993. It ranks 240th of 669 lenders around San Antonio, where United Wholesale Mortgage and Lennar Mortgage lead. The bank was established in 1983 and merged with Jourdanton State Bank in 2016.
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
26 loans in 2025, against a peak of 124 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Commercial Bank took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
53.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 53.8% · Home improvement 19.2% · Refinance 15.4% · Other 11.5%
Conventional 100.0% · of 26 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
1 state, 2 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| Texas | 26 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 23 |
| Corpus Christi | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NFAQXBUC5NPK66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 400365 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117862 | 1990–2017 |
Established 1 July 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Commercial Bank's data.
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