Applications / Mortgage Analytics / Lenders / Texas / Texas Capital Bank
Dallas, TX · State member bank · FRS · $31.3 billion assets · 43 loans in 2025
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43
loans originated, 2025
50
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Capital Bank made only 43 home loans in 2025, but its typical loan of $6.0 million was the largest among similar lenders.
Similar lenders (state member banks making between half and twice as many loans) had a typical loan of $185,000. Jumbo loans (larger than the conforming limit) were 72.7% of Texas Capital Bank's loans against 2.7% for them. Its dollar lending about doubled to $714.2 million while the count rose only from 36 to 43. They may be loans on apartment buildings or costly homes.
None of its loans went to LMI (low- and moderate-income) borrowers, against 24.3% for similar lenders, yet 16.3% were in LMI areas, near the middle, and 23.3% in majority-minority areas, more than about three-quarters of them. Loans this size often go to companies or investors whose income is not reported, which could explain the zero.
Originations rose 19%, against 6% for similar lenders and 10% for the whole market, yet stay below the 56 of five years before. It entered Huntsville and Columbus in 2025 with 0.9% of each; one or two deals move such shares.
Five years before, it bought 41,040 loans from other lenders; in 2025 it bought none, as is typical of similar lenders. It filed no report for 2022, a gap in the record rather than a year without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Texas Capital Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.3% · Refinance 4.7%
Conventional 100.0% · of 43 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 | 19 | 44.2% |
| Colorado | 5 | 11.6% |
| Florida | 4 | 9.3% |
| Georgia | 4 | 9.3% |
| Tennessee | 3 | 7.0% |
| Pennsylvania | 2 | 4.7% |
| Alabama | 1 | 2.3% |
| California | 1 | 2.3% |
| Maryland | 1 | 2.3% |
| Montana | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 7 |
| Dallas-Plano-Irving | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Austin-Round Rock-San Marcos | 3 |
| Denver-Aurora-Centennial | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Baltimore-Columbia-Towson | 1 |
| Charlotte-Concord-Gastonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 38PG5GG0OEQK4QMSKE59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2618780 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123248 | 1999–2012 |
| Respondent ID (the HMDA filer code before 2018) | 92618780 | 2013–2017 |
Established 3 October 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Texas Capital Bank's data.
Texas Capital Bank's data
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Texas Capital 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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