Applications / Mortgage Analytics / Lenders / Texas / The First National Bank of Tom Bean
Tom Bean, TX · National bank · OCC · $150 million assets · 51 loans in 2025
The First National Bank of Tom Bean's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
51
loans originated, 2025
57
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Tom Bean, a Texas bank on record since at least 1990, makes more refinance and home-improvement loans than purchase loans.
Refinances made up 41.2% of its loans in 2025 and home improvement 15.7%, against 37.3% for purchases. Every loan was conventional, with no government backing and no manufactured homes. Its typical loan fell to $145,000 from $185,000, smaller than about seven in ten similar lenders, meaning national banks making between half and twice as many loans.
Sherman-Denison is its largest market, and it has lent there since at least 1990. It ranked 67 of 343 lenders, but its share fell to 0.3% from 0.6%. Smaller loans may explain some of that, since share is measured in dollars; more of its business may also have gone to its markets in Arkansas and Oklahoma.
It made 51 loans, up 2%, close to the 4% of similar lenders and below the whole market's 10%. That is the third year near 50. It made 217 loans in 2020 and 96 in 2018, so it now lends about half as much as in 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Tom Bean took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.2% · Purchase 37.3% · Home improvement 15.7% · Other 5.9%
Conventional 100.0% · of 51 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 | 26 | 51.0% |
| Arkansas | 20 | 39.2% |
| Oklahoma | 5 | 9.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sherman-Denison | 16 |
| Dallas-Plano-Irving | 3 |
| Texarkana | 2 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LFR4FQMI48MF92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 193162 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111019 | 1990–2017 |
Established 22 September 1906. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Tom Bean's data.
The First National Bank of Tom Bean's data
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The First National Bank of Tom Bean 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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