Applications / Mortgage Analytics / Lenders / Texas / SWBC Mortgage
San Antonio, TX · Independent non-bank lender · CFPB · 6,441 loans in 2025
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6,441
loans originated, 2025
8,506
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SWBC Mortgage is a Texas-based home-purchase lender spread across 35 states, whose originations fell 11% in 2025 while similar lenders grew 14%.
Originations fell 11% to 6,441 from 7,207, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 14% and the whole market 10%; only a few similar lenders had a lower change. It made 24,002 loans in 2020. With 85.2% of its loans for home purchase, its volume may follow home sales in its markets.
Home purchases were 85.2% of its lending. VA loans (guaranteed by the Department of Veterans Affairs) were 9.7%, against 7.6% at similar lenders, and FHA loans (insured by the Federal Housing Administration) 18.1%, against 25.0%. 3.2% of its loans were jumbo (larger than the conforming limit), against 1.2%, higher than about four in five similar lenders.
34.2% of its loans went to LMI (low- and moderate-income) borrowers, against 28.4%, more than about seven in ten similar lenders. It turned down 3.2% of first-lien home-purchase applications on owner-occupied homes and 5.3% of refinance applications, against 4.5% and 8.5% at similar lenders.
Its highest rank among its largest markets was 26 of 821 lenders in Nashville-Davidson--Murfreesboro--Franklin, with a share of 0.9%, against 1.0% a year earlier. In Minneapolis-St. Paul-Bloomington it ranked 50 of 688 and its share rose to 0.5% from 0.4%. It entered Williamsport, PA in 2025 and ranked 37 of 153.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SWBC Mortgage took 8,506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.2% · Refinance 14.4% · Home improvement 0.4%
Conventional 71.2% · FHA 18.1% · VA 9.7% · USDA (RHS or FSA) 1.0% · of 6,441 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 | 1,607 | 24.9% |
| Georgia | 638 | 9.9% |
| Tennessee | 631 | 9.8% |
| Colorado | 511 | 7.9% |
| Minnesota | 476 | 7.4% |
| Virginia | 456 | 7.1% |
| Maryland | 424 | 6.6% |
| Arkansas | 355 | 5.5% |
| Florida | 329 | 5.1% |
| Pennsylvania | 299 | 4.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 510 |
| Minneapolis-St. Paul-Bloomington | 427 |
| Denver-Aurora-Centennial | 344 |
| Marietta | 280 |
| Waco | 266 |
| Dallas-Plano-Irving | 244 |
| Baltimore-Columbia-Towson | 230 |
| San Antonio-New Braunfels | 220 |
| Killeen-Temple | 197 |
| Houston-Pasadena-The Woodlands | 192 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DMYENRV818D594 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4323912 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7742508160 | |
| Respondent ID (the HMDA filer code before 2018) | 77281700007 | 2003–2003 |
Established 14 June 1988. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: SWBC Mortgage's data.
SWBC Mortgage's data
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SWBC Mortgage 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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