One market, held steady
All its lending is in one metro, Corpus Christi, where it has lent since at least 1990. It ranks 52 of 389 lenders, with a 0.4% share in both 2024 and 2025. DHI Mortgage Company and United Wholesale Mortgage lead the market.
Applications / Mortgage Analytics / Lenders / Texas / Charter Bank
Charter Bank
Corpus Christi, TX · State non-member bank · FDIC · $290 million assets · 40 loans in 2025
Charter Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
40
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Charter Bank lends in one city, Corpus Christi, and most of its loans go to majority-minority neighborhoods there.
Lending close to home
Majority-minority neighborhoods took 72.5% of its loans, against 6.0% at similar lenders (state non-member banks making between half and twice as many loans), more than at nearly all of them. Low- and moderate-income neighborhoods took 35.0%, against 19.0%. Lending confined to three counties in one metro is one plausible reason both figures differ so much from its peers'.
A small, shrinking book
Its originations fell 9% to 40, while similar lenders grew 2%. Its typical loan of $125,000 was smaller than at about three in four peers; home improvement made up 20.0% of its lending, and such loans tend to be small. It filed no report for 2020 to 2022, so the record has a gap. On 40 loans, small changes move every share a long way.
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
40 loans in 2025, against a peak of 93 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Charter Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
47.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 47.5% · Refinance 32.5% · Home improvement 20.0%
Conventional 100.0% · of 40 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
1 state, 1 metro, 3 counties
| State | Loans | Share |
|---|---|---|
| Texas | 40 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Corpus Christi | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900695MEPYT475810 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 814458 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318660 | 1990–2017 |
Established 14 December 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Charter Bank's data.
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