Applications / Mortgage Analytics / Lenders / Texas / Wellington State Bank
Wellington, TX · State member bank · FRS · $653 million assets · 47 loans in 2025
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47
loans originated, 2025
58
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wellington State Bank nearly doubled its home lending in 2025, from 26 loans to 47, and its share in Lubbock rose from 0.1% to 0.7%.
Originations rose 81%, faster than about nine in ten similar lenders (state member banks making between half and twice as many loans), whose typical growth was 6%. In Lubbock it now ranks 28 of 341 lenders, behind Texas Tech Federal Credit Union and Alliance Credit Union. Dollar lending rose to $21.8 million from $6.6 million. With 47 loans, a few large ones can move these figures a long way, so one year does not establish a trend.
31.9% of its loans were in LMI (low- and moderate-income) areas and 34.0% in majority-minority areas, each higher than more than four in five similar lenders. Yet only 11.1% went to LMI borrowers, lower than about four in five of them. It may lend in lower-income areas and small towns to buyers whose own incomes are above the local cutoff.
It first reported in 2016 and filed no report for 2020 to 2022, when a bank making few loans need not report, so those years are gaps, not years without lending. Its lending covers 17 counties in two states, adding non-metro Oklahoma in 2025, while Amarillo, where it ranks 98 of 258, stayed steady at 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Wellington State Bank took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.0% · Refinance 21.3% · Home improvement 12.8%
Conventional 100.0% · of 47 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 | 44 | 93.6% |
| Oklahoma | 3 | 6.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 26 |
| Amarillo | 4 |
| Abilene | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008DKNX6KPDOUX53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 371362 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2371362 | 2016–2017 |
Established 1 January 1906. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Wellington State Bank's data.
Wellington State Bank's data
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Wellington 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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