Applications / Mortgage Analytics / Lenders / Texas / Harmony Bank
Dallas, TX · State non-member bank · FDIC · $838 million assets · 46 loans in 2025
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46
loans originated, 2025
70
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harmony Bank, a small Texas bank, makes far more of its loans in majority-minority neighborhoods than other banks of its size.
Of its loans, 39.1% were in majority-minority neighborhoods, against 5.6% at similar lenders, which here means state non-member banks making between half and twice as many loans. Low- and moderate-income (LMI) neighborhoods took 32.6%, against 18.5%. Both shares were higher than at four in five or more of its peers.
Purchases made up 78.3% of its loans, all of them conventional. Its typical loan, $245,000, was higher than the $165,000 of similar lenders. That may explain why only 20.8% of its borrowers had LMI incomes, against 28.0% at peers: larger loans need larger incomes to qualify.
Its loans fell 29%, from 65 to 46, while similar lenders grew by 4% and the whole market by 10%; that put it among the lowest tenth of its peers. On so few loans a handful of deals makes the difference. It made 62 loans in 2019 and 58 in 2023.
The bank was Texas Brand Bank until 2023, when it took its present name and merged with The First National Bank of Kemp. It filed no report from 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report; those years are gaps, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Harmony Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.3% · Refinance 15.2% · Home improvement 6.5%
Conventional 100.0% · of 46 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 | 46 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 33 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G7KW08JJ121L78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3297490 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357922 | 2007–2017 |
Established 4 March 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Harmony Bank's data.
Harmony Bank's data
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