Applications / Mortgage Analytics / Lenders / Texas / First Texas Bank
Lampasas, TX · State non-member bank · FDIC · $238 million assets · 31 loans in 2025
First Texas Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
31
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Texas Bank, a small bank in Lampasas, Texas, made 31 home loans in 2025, up 19%, and a quarter of them were for home improvement.
Its 31 loans compare with 26 in 2024 and 18 in 2023. Similar lenders, state non-member banks making between half and twice as many loans, were flat, and the whole market grew by 10%. The typical similar lender made 43 loans. It filed no report from 2020 to 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending.
Purchases made up 35.5% of its lending, refinances 29.0% and home improvement 25.8%, with other purposes taking the rest. All its loans were conventional.
With 31 loans, a handful of deals can move its typical loan, which was $195,000 in 2025 against $80,000 the year before, a long way. Its shares of jumbo, manufactured-home and poorer-neighborhood lending likewise rest on a few deals each, and say little about its customers.
It lends in three Texas counties. Its largest market is Killeen-Temple, where it has lent since 2004 and ranked 90 of 394 lenders with a 0.1% share. Fairway Independent Mortgage led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Texas Bank took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.5% · Refinance 29.0% · Home improvement 25.8% · Other 9.7%
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 | 28 | 90.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LQPR8CYPBIJ478 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 875758 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 33293 | 2004–2017 |
Established 2 October 1884. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Texas Bank's data.
First Texas Bank's data
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