Applications / Mortgage Analytics / Lenders / Texas / Bridge City State Bank
Bridge City, TX · State non-member bank · FDIC · $261 million assets · 51 loans in 2025
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51
loans originated, 2025
55
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bridge City State Bank grew its home lending 50% in 2025, to 51 loans, faster than nearly nine in ten similar lenders, and has more than doubled its count since 2023.
Similar lenders are state non-member banks making between half and twice as many loans; their typical growth was 5%, and the whole market's 10%. Bridge City went from 23 loans in 2023 to 34 in 2024 and 51 in 2025. Its Beaumont-Port Arthur share rose from 0.4% to 0.6%, ranking 35 of 289.
LMI (low- and moderate-income) borrowers took 2.8% of its loans, against 27.3% for similar lenders, among the lowest twentieth. Possible reasons include loans where the borrower's income is not reported, such as loans to investors or businesses, or a customer base drawn from higher-income households. On 51 loans the figure is also sensitive to a few borrowers.
11.8% of its loans were in majority-minority areas, up from 5.9% and higher than about three in five similar lenders (6.0% for the group), which may reflect the makeup of the neighbourhoods it serves.
All its loans were conventional, and the typical loan was $185,000 for the second year, against $165,000 for similar lenders. Home purchases made up 56.9% of its lending. Too few of its applications were decided for a denial rate to be shown.
Questions the data can answer next
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bridge City State Bank took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.9% · Other 17.6% · Refinance 17.6% · Home improvement 7.8%
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 | 51 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beaumont-Port Arthur | 39 |
| Houston-Pasadena-The Woodlands | 2 |
| Longview | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K77IQXQEIYGA47 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 43959 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318155 | 1990–2016 |
Established 27 February 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bridge City State Bank's data.
Bridge City State Bank's data
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Bridge City State Bank 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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