Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Winnsboro
Winnsboro, TX · National bank · OCC · $156 million assets · 23 loans in 2025
The First National Bank of Winnsboro's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
32
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Winnsboro is a very small lender: it made 23 loans in 2025, fewer than about three in four similar lenders.
Its loans rose 28% in 2025, to 23 from 18, while the typical similar lender, a national bank making between half and twice as many loans, saw a fall of 17%. Five extra loans make that rise. Its record swings: 39 loans in 2023, 18 in 2024. It filed no report for 2020 to 2022, when small banks need not report; those are gaps in the record, not years without lending. Its dollar lending was $3.1 million in both years.
Its typical loan was $105,000, against $190,000 at similar lenders, though 23 loans are too few to read much into. About half its loans paid for a home, and home improvement made up 17.4%. All were conventional, with none backed by a government agency. Home-improvement loans and manufactured homes, 8.7% of its loans, tend to be small, which may account for part of the difference.
All its lending is in Texas, across six counties and three metro areas. It has lent in Tyler since 1990, when the public data begin, and entered Waco in 2025. Its share in each is too small to register.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The First National Bank of Winnsboro took 32 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.2% · Refinance 21.7% · Home improvement 17.4% · Other 8.7%
Conventional 100.0% · of 23 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 | 22 | 95.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 2 |
| Tyler | 2 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P3IKHVYBR1E510 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 501767 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15674 | 1990–2017 |
Established 1 January 1893. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Winnsboro's data.
The First National Bank of Winnsboro's data
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The First National Bank of Winnsboro 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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