Applications / Mortgage Analytics / Lenders / Texas / Benchmark Bank
Plano, TX · State member bank · FRS · $1.5 billion assets · 56 loans in 2025
Benchmark Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
71
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Benchmark Bank, a Texas bank, lends mostly to buyers of expensive homes: its typical loan in 2025 was $1.3 million, against $175,000 at similar banks.
Similar lenders here are state member banks making between half and twice as many loans. Their typical loan was $175,000; Benchmark's was $1.3 million. Jumbo loans, those larger than the conforming limit, made up 64.6% of its lending, against 2.5% at its peers. Most of its loans financed home purchases.
It made 56 loans in 2025, up from 21 the year before. That rise of 167% was faster than almost all similar lenders managed, while the whole market grew by 10%. It filed no HMDA report for 2020 to 2022; those are gaps in the record, not years without lending. On so few loans, a handful of deals can move these figures a long way.
None of its loans went to low- and moderate-income (LMI) borrowers, against 24.6% at similar lenders. Only 5.5% went to LMI neighborhoods, against 17.6%. When the typical loan is $1.3 million, few such households may be shopping for one, which could account for both figures.
Its loans reached 4 states and 8 metros. It has lent in Bozeman, MT, since 2019 and first appeared in Port St. Lucie, FL, in 2025. Its share of each of these markets rests on a handful of loans, too few to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Benchmark Bank took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.2% · Refinance 19.6% · Home improvement 3.6% · Other 3.6%
Conventional 100.0% · of 56 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 | 94.6% |
| Florida | 1 | 1.8% |
| Montana | 1 | 1.8% |
| Tennessee | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 27 |
| Austin-Round Rock-San Marcos | 9 |
| Fort Worth-Arlington-Grapevine | 7 |
| Bozeman | 1 |
| College Station-Bryan | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FF2P6I0N4FHD29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 980960 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319215 | 1990–2017 |
Established 29 August 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Benchmark Bank's data.
Benchmark Bank's data
$215
Benchmark 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.
Buy Benchmark Bank'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]