Applications / Mortgage Analytics / Lenders / Texas / TexasBank
Brownwood, TX · State non-member bank · FDIC · $2.4 billion assets · 1,035 loans in 2025
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1,035
loans originated, 2025
1,411
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TexasBank, a Texas bank first reporting under HMDA in 2022, lends more to low- and moderate-income borrowers and areas than any similar lender.
LMI (low- and moderate-income) borrowers took 49.4% of its loans against 26.4% at similar lenders (state non-member banks making between half and twice as many loans), and LMI areas 40.2% against 14.7%, the highest shares among them. Majority-minority areas took 55.6% against 7.0% at peers.
Purchases were 74.2% of its loans. FHA (insured by the Federal Housing Administration) loans were 8.2% against 0.6% at peers, higher than about eight in ten of them. On first-lien home-purchase and refinance applications for owner-occupied homes it turned down 2.3% and 1.9%, against 5.9% and 15.3% at peers, lower than most of them.
It first reported under HMDA in 2022, the year it merged with Texas Bank Financial, whose filings count in its market shares; it filed no report for 2018 to 2021, so earlier years are gaps in the record. It made 1,414 loans in 2022 and 1,035 in 2025, when originations fell 18% while peers grew 10%.
Its share of El Paso rose 0.9 points to 0.9%, ranking 27 of 332 lenders. In Dallas-Fort Worth-Arlington it ranked 70 of 1,026, and in non-metro Texas 36 of 831.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. TexasBank took 1,411 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.2% · Refinance 17.9% · Other 6.8% · Home improvement 1.2%
Conventional 90.5% · FHA 8.2% · VA 0.7% · USDA (RHS or FSA) 0.6% · of 1,035 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 | 1,034 | 99.9% |
| Colorado | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 368 |
| Fort Worth-Arlington-Grapevine | 359 |
| Austin-Round Rock-San Marcos | 50 |
| Houston-Pasadena-The Woodlands | 50 |
| El Paso | 5 |
| Sherman-Denison | 5 |
| Killeen-Temple | 4 |
| San Antonio-New Braunfels | 4 |
| Midland | 3 |
| Waco | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007NTZZX7VJJPB03 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 232856 | 2022–2023 |
Established 7 March 1966. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: TexasBank's data.
TexasBank's data
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