Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Granbury
Granbury, TX · National bank · OCC · $993 million assets · 146 loans in 2025
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146
loans originated, 2025
163
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Granbury grew faster than most similar lenders in 2025, and lends far more on manufactured homes than they do.
Loans rose 21% to 146, against 6% for similar lenders, national banks making between half and twice as many loans, and 10% for the whole market. That was faster than about seven in ten of them. It is still well below the 460 loans it made in 2020; its lending fell every year from then until 2024.
Manufactured homes made up 12.3% of its loans, against 1.7% at similar lenders, a higher share than at nearly nine in ten of them. Home improvement accounts for 13.7% of its lending and other purposes 6.2%, leaving purchases at 57.5%. Even so, its typical loan, $215,000, is larger than the $185,000 at peers.
It counts for most in non-metro Texas, where it ranks 74 of 831 lenders, against 387 of 1,026 in Dallas-Fort Worth-Arlington. It has lent in both since 1994. Rocket Mortgage and United Wholesale Mortgage lead the rural market. In 2025 it made its first loans in non-metro Colorado and in Tyler, TX.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Granbury took 163 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.5% · Refinance 22.6% · Home improvement 13.7% · Other 6.2%
Conventional 100.0% · of 146 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 | 145 | 99.3% |
| Colorado | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 20 |
| Dallas-Plano-Irving | 6 |
| Amarillo | 2 |
| Tyler | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007XRAHUC7QUVO11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 329952 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13727 | 1994–2017 |
Established 1 January 1887. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Granbury's data.
The First National Bank of Granbury's data
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The First National Bank of Granbury 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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