Applications / Mortgage Analytics / Lenders / Texas / Cypress Bank State Savings Bank
Pittsburg, TX · Savings institution · FDIC · $227 million assets · 44 loans in 2025
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44
loans originated, 2025
101
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cypress Bank State Savings Bank made 44 loans in 2025, down 39%, in a year when the whole market grew.
Its loans fell from 72 to 44. Similar lenders, savings institutions making between half and twice as many loans, slipped 1%, and the whole market grew 10%. Its fall was steeper than nearly all its peers'. The dollars it lent fell from $16.6 million to $11.6 million.
It made 152 loans in 2020 and around 120 a year in 2021 and 2022. It made 70 in 2023 and 44 in 2025. The data give no reason. With so few loans, a small change in local demand shows up strongly.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 25.0% of its loans, against 16.7% at peers. Majority-minority areas took 15.9%, against 7.4%. Both shares were higher than about seven in ten peers'. On 44 loans, a few loans move them, so read them as a broad pattern.
Its typical loan was $185,000, against $245,000 at peers. It made no government-backed loans. Manufactured homes took 9.1% of its loans, where the typical peer made none. It lends only in Texas, and its shares in Longview and Texarkana each rose 0.1 points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cypress Bank State Savings Bank took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.1% · Refinance 29.5% · Home improvement 6.8% · Other 4.5%
Conventional 100.0% · of 44 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 | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 11 |
| Longview | 3 |
| Texarkana | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I4IUWMEMGLST06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 729178 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 47589 | 1994–2010 |
| Respondent ID (the HMDA filer code before 2018) | 331905 | 2011–2017 |
Established 1 January 1976. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Cypress Bank State Savings Bank's data.
Cypress Bank State Savings Bank's data
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Cypress Bank State Savings 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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