Applications / Mortgage Analytics / Lenders / Texas / Extraco Banks
Temple, TX · National bank · OCC · $2.5 billion assets · 342 loans in 2025
Extraco Banks's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
342
loans originated, 2025
487
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Extraco Banks makes bigger loans than most similar national banks and lends far more often in majority-minority neighborhoods, though its share slipped in two of its three home markets in 2025.
Its typical loan was $305,000, against $195,000 at similar lenders (national banks making between half and twice as many loans). Jumbo loans, those larger than the conforming limit, made up 8.6% of its lending, against 2.1%. It also makes loans most of its peers do not: FHA loans (insured by the Federal Housing Administration) were 7.9% and VA loans (guaranteed by the Department of Veterans Affairs) 7.6%. The typical peer made none of either.
Majority-minority neighborhoods took 35.7% of its loans, against 6.6% at peers, higher than more than nine in ten of them. Low- and moderate-income (LMI) borrowers took only 15.1%, against 26.0%, among the lowest tenth. Its larger loans, and the Texas metros it serves, could account for both.
Its loans fell 9% while similar lenders' rose 5%. Its share fell 0.5 points to 1.2% in Killeen-Temple and 1.0 points to 1.2% in College Station-Bryan, though it rose 0.3 points to 1.4% in Waco. With 342 loans, a small change in volume moves these shares.
Its typical rate was 6.50%, against 6.75% at peers, lower than more than four in five of them. Its higher-priced share (loans at a rate well above the average for similar loans) was 1.0%, against 2.2%. It turned down 4.6% of first-lien home-purchase applications, against 6.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Extraco Banks took 487 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.5% · Refinance 15.5% · Other 3.5% · Home improvement 1.5%
Conventional 84.5% · FHA 7.9% · VA 7.6% · of 342 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 | 340 | 99.4% |
| Georgia | 1 | 0.3% |
| Oklahoma | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 129 |
| Waco | 52 |
| College Station-Bryan | 46 |
| Corpus Christi | 41 |
| Austin-Round Rock-San Marcos | 16 |
| Houston-Pasadena-The Woodlands | 10 |
| Dallas-Plano-Irving | 5 |
| San Antonio-New Braunfels | 5 |
| Fort Worth-Arlington-Grapevine | 4 |
| Odessa | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F7S6KEMTKK0546 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 537560 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113778 | 1990–2017 |
Established 20 September 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Extraco Banks's data.
Extraco Banks's data
$215
Extraco Banks 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.
Buy Extraco Banks's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]