Applications / Mortgage Analytics / Lenders / Texas / Capital Bank
Jacinto City, TX · State non-member bank · FDIC · $673 million assets · 57 loans in 2025
Capital Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
57
loans originated, 2025
70
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital Bank makes nearly half of its loans in majority-minority neighborhoods, against 6.5% at similar lenders.
Majority-minority neighborhoods took 47.4% of its 57 loans, up from 43.9% in 2024. That is higher than about nine in ten similar lenders, state non-member banks making between half and twice as many loans. Low- and moderate-income neighborhoods took 22.8%, against 18.6% at peers. Its lending centers on Houston-Pasadena-The Woodlands, where it has lent since at least 1990.
Its typical loan was $255,000, against $167,500 at similar lenders. Jumbo loans (larger than the conforming limit) were 10.9% of its loans, against 1.7%. Its total rose to $27.6 million from $22.2 million on the same number of loans. Home purchases made up 63.2% of its lending, all of it conventional.
It made 57 loans in both 2024 and 2025, while similar lenders grew 7% and the whole market 10%. It filed no report for 2020 to 2023, gaps in the record, so the longer trend cannot be read.
In Houston it ranked 239 of 929 lenders with 0.1%, unchanged. In College Station-Bryan its share rose 0.1 points to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Capital Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.2% · Refinance 19.3% · Other 12.3% · Home improvement 5.3%
Conventional 100.0% · of 57 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 | 57 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 55 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E2M76Y41U4FC19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 596156 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 319401 | 1990–2017 |
Established 10 April 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Capital Bank's data.
Capital Bank's data
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Capital 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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