Applications / Mortgage Analytics / Lenders / Texas / ValueBank Texas
Corpus Christi, TX · State non-member bank · FDIC · $302 million assets · 13 loans in 2025
ValueBank Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
13
loans originated, 2025
26
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ValueBank Texas made only 13 home loans in 2025 yet lent far more dollars than in 2024, so on so few loans one or two borrowers can reshape its figures.
Originations fell to 13 from 16, fewer than about nineteen in twenty similar lenders (state non-member banks making between half and twice as many loans). Yet the amount lent rose from $3.0 million to $12.4 million, and its typical loan from $105,000 to $385,000. A few large loans may account for this.
It made 34 loans in 2019 and 26 in 2023, and fewer each year since. It filed no report for 2020 to 2022, when a small bank need not report, so those years are gaps, not years without lending.
In Corpus Christi, where it has lent since before 1990, it ranks 188 of 389 with a share near zero. Its loans also reach non-metro Texas, non-metro New Mexico since 2023 and Victoria since 2025. For a bank this size, that spread may come from a handful of individual loans.
On 13 loans, its shares of jumbo (larger than the conforming limit) loans and of loans in majority-minority tracts each move sharply with one or two borrowers, and are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. ValueBank Texas took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.2% · Other 15.4% · Home improvement 7.7% · Refinance 7.7%
Conventional 100.0% · of 13 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 | 12 | 92.3% |
| New Mexico | 1 | 7.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 4 |
| Dallas-Plano-Irving | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| San Antonio-New Braunfels | 1 |
| Victoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900EY91VUW4KYE555 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 964157 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319700 | 1990–2017 |
Established 27 April 1967. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ValueBank Texas's data.
ValueBank Texas's data
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ValueBank 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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