Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Bastrop
Bastrop, TX · National bank · OCC · $1.1 billion assets · 148 loans in 2025
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148
loans originated, 2025
248
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Bastrop lends far more in poorer and majority-minority neighborhoods than most similar banks.
Low- and moderate-income (LMI) neighborhoods took 35.8% of its loans in 2025, against 15.2% at similar lenders (national banks making between half and twice as many loans), higher than almost all of them. Majority-minority neighborhoods took 39.2%, against 7.4%. In 2024 both shares were higher still.
Manufactured homes made up 10.1% of its loans, against 1.5% at peers, a higher share than at more than four in five of them. Low- and moderate-income borrowers took 31.4%, against 24.4%. Manufactured homes, often bought by borrowers of modest means, may account for part of that.
Its loans rose 11% to 148, against 5% at peers. Volume fell from 220 in 2022 to 124 in 2023 and has risen since. It made 280 loans in 2018.
It has lent in Austin since 1994 and holds 0.2% of that market, 111th of 753 lenders, unchanged from 2024. United Wholesale Mortgage leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The First National Bank of Bastrop took 248 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Refinance 33.1% · Home improvement 5.4% · Other 3.4%
Conventional 100.0% · of 148 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 | 147 | 99.3% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 118 |
| San Antonio-New Braunfels | 5 |
| College Station-Bryan | 4 |
| Killeen-Temple | 2 |
| Cape Coral-Fort Myers | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Victoria | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YTMXVNCWHCVS50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 18050 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14093 | 1994–2017 |
Established 15 August 1889. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Bastrop's data.
The First National Bank of Bastrop's data
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The First National Bank of Bastrop 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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