Applications / Mortgage Analytics / Lenders / Texas / Vantage Bank Texas
San Antonio, TX · State member bank · FRS · $4.9 billion assets · 285 loans in 2025
Vantage Bank Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
285
loans originated, 2025
383
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vantage Bank Texas makes much larger home loans than its peers and lends heavily in majority-minority areas, with its strongest market positions in south Texas.
Its 285 loans in 2025 sit near the middle of similar lenders (state member banks making between half and twice as many loans), but its $167.3 million is about double their typical $76.1 million. Its typical loan of $325,000 is higher than more than four in five of them, and 15.4% of its loans were jumbo (larger than the conforming limit), against 1.7%, among the highest tenth.
50.5% of its loans were in majority-minority tracts, against 5.8% for similar lenders, among the highest few. Its share in low- and moderate-income (LMI) tracts, 21.7%, is higher than about three in four. Its markets may explain this: it ranks highest in McAllen-Edinburg-Mission and Laredo, which may hold many such tracts.
LMI borrowers took 17.7% of its loans, lower than about five in six similar lenders, whose typical figure is 28.3%, though up from 4.2% in 2024. Its large-loan and jumbo lending, which may draw higher-income buyers, could account for much of the gap.
In McAllen-Edinburg-Mission, served since before 1990, its share rose 0.6 points to 1.2%, ranking 23 of 295; in Laredo it rose 0.3 points to 0.8%. Overall originations rose 11%, close to the whole market's 10%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vantage Bank Texas took 383 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.4% · Refinance 9.1% · Other 2.5%
Conventional 99.3% · VA 0.7% · of 285 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 | 278 | 97.5% |
| California | 2 | 0.7% |
| Colorado | 2 | 0.7% |
| Florida | 1 | 0.4% |
| Oklahoma | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 66 |
| San Antonio-New Braunfels | 64 |
| Houston-Pasadena-The Woodlands | 46 |
| McAllen-Edinburg-Mission | 33 |
| Dallas-Plano-Irving | 27 |
| Laredo | 18 |
| Austin-Round Rock-San Marcos | 6 |
| El Paso | 5 |
| Brownsville-Harlingen | 4 |
| Riverside-San Bernardino-Ontario | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PG87MHQ7H4CO08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 26765 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112462 | 2008–2012 |
| Respondent ID (the HMDA filer code before 2018) | 226765 | 2013–2016 |
Established 6 November 1923. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Vantage Bank Texas's data.
Vantage Bank Texas's data
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Vantage Bank 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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