Applications / Mortgage Analytics / Lenders / Texas / First State Bank of Livingston
Livingston, TX · State member bank · FRS · $707 million assets · 31 loans in 2025
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31
loans originated, 2025
59
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank of Livingston, a small bank in Livingston, Texas, returned to the public record in 2025 with 31 home loans, most of them modest purchase loans in rural counties.
The bank first reported in 2004 but filed no report from 2018 to 2024. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps, not years without lending. Its 31 loans in 2025 compare with 40 at the typical similar lender, a state member bank making between half and twice as many loans.
Its typical loan was $115,000, against $210,000 at the typical similar lender, lower than more than four in five of them. Its loans totaled $5.0 million. All were conventional and none was jumbo.
Purchases made up 58.1% of its lending. A further 25.8% went to other purposes, with refinances and home improvement making up the rest. Loans of that kind are often smaller, which may explain part of the small typical loan. With 31 loans, its shares of manufactured homes and of poorer neighborhoods rest on a handful of deals and say little.
It lends in seven counties, all in Texas. Its largest market is non-metro Texas, worth $10.46B, where it ranked 318 of 831 lenders. In the Houston-Pasadena-The Woodlands market it ranked 867 of 929.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First State Bank of Livingston took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Other 25.8% · Refinance 9.7% · Home improvement 6.5%
Conventional 100.0% · of 31 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 | 31 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900V3UIQOTJCM3S60 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 884358 | 2004–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2884358 | 2004–2015 |
Established 5 October 1910. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First State Bank of Livingston's data.
First State Bank of Livingston's data
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