Applications / Mortgage Analytics / Lenders / Texas / Austin County State Bank
Bellville, TX · State non-member bank · FDIC · $478 million assets · 53 loans in 2025
Austin County State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Austin County State Bank makes few mortgages, but big ones: its typical loan is about double that of similar banks.
Its typical loan was $335,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than nearly nine in ten of them. Jumbo loans (larger than the conforming limit) were 13.0% of originations, against 1.7% at peers. Its loan count, 53, was a little below the peer figure.
Purchase loans were 67.9% of originations and refinances 20.8%. Every loan was conventional.
Of its loans, 32.1% were in low- and moderate-income (LMI) census tracts, against 18.6% at similar banks, higher than more than three in four of them. Its share in majority-minority tracts was about double the peer figure.
Originations fell 5%, from 56 to 53, a small change on a base this size; its count has stayed between 38 and 56 in the years it reported. It filed no HMDA report for 2020 to 2022, gaps in the record rather than years without lending. Its loans reach 14 counties in Texas. In Houston-Pasadena-The Woodlands, TX, its largest market, it ranked 339 of 929 lenders, and it entered Waco, TX in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Austin County State Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.9% · Refinance 20.8% · Other 7.5% · Home improvement 3.8%
Conventional 100.0% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 31 |
| Fort Worth-Arlington-Grapevine | 9 |
| College Station-Bryan | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QVGNXYT00KCW22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3463875 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358484 | 2010–2017 |
Established 26 June 2007. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Austin County State Bank's data.
Austin County State Bank's data
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Austin County 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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