Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of East Texas
Gilmer, TX · National bank · OCC · $615 million assets · 116 loans in 2025
The First National Bank of East Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
116
loans originated, 2025
160
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of East Texas grew faster than most similar lenders in 2025 and gained share in Longview, its largest market.
Its loans rose 14% to 116, against 5% for similar lenders, national banks making between half and twice as many loans, and 10% for the whole market. That was faster than more than three in five of them. The rise follows a slide from 184 loans in 2020 to 102 in 2024, so it remains below its earlier level.
The bank has lent in Longview, TX since 1994. Its share of the dollars lent there rose from 0.7% to 1.4%, and it now ranks 17 of 306 lenders. United Wholesale Mortgage leads the market, followed by Guild Mortgage Company and Eastman Credit Union.
Purchases made up 68.1% of its loans and refinances 19.8%. Its typical loan, $155,000, is smaller than the $185,000 at similar lenders. Manufactured homes made up 5.2% of its loans against 1.6% at peers, which may help explain the gap.
In 2025 it made its first loans in non-metro Montana and non-metro Illinois, where it ranks 154 of 372 and 520 of 572. Its lending now reaches three states and 20 counties. Whether these loans mark a new line of business or a few borrowers buying far afield is not yet clear.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 East Texas took 160 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.1% · Refinance 19.8% · Home improvement 6.9% · Other 5.2%
Conventional 100.0% · of 116 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 | 114 | 98.3% |
| Illinois | 1 | 0.9% |
| Montana | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Longview | 43 |
| Tyler | 7 |
| Dallas-Plano-Irving | 3 |
| Fort Worth-Arlington-Grapevine | 1 |
| Texarkana | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CBU2F2TON68T25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 445955 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15288 | 1994–2017 |
Established 13 April 1900. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The First National Bank of East Texas's data.
The First National Bank of East Texas's data
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The First National Bank of East Texas 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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