Applications / Mortgage Analytics / Lenders / Texas / HomeTown Bank
Galveston, TX · National bank · OCC · $998 million assets · 67 loans in 2025
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67
loans originated, 2025
116
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HomeTown Bank, a Galveston national bank that has filed since at least 1990, makes almost half its home loans in majority-minority neighborhoods, far more than similar banks.
Majority-minority neighborhoods took 47.8% of its loans, against 7.7% at similar lenders, national banks making between half and twice as many loans. That is higher than at nine in ten of them. Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 28.8% of its loans, against 15.9% at its peers. Its lending sits in five Texas counties, so these shares may mostly reflect the places it serves.
Home purchases were 61.2% of its loans and home-improvement loans 19.4%; refinances were only 13.4%. Every loan was conventional. Its typical loan, $245,000, was larger than the $175,000 of similar banks.
It made 67 loans in 2025, up 6% from 63, a little faster than the 3% of similar banks but slower than the 10% of the whole market. Lending has been lower since 2023 than in the years before, when it made around 100 loans a year. In Houston-Pasadena-The Woodlands, TX, its largest market, it ranks 267 of 929 lenders, a small player beside the national lenders that lead there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HomeTown Bank took 116 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Home improvement 19.4% · Refinance 13.4% · Other 6.0%
Conventional 100.0% · of 67 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 | 67 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 66 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SHQJPJG8CN8153 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 393953 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115593 | 1990–2017 |
Established 27 June 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: HomeTown Bank's data.
HomeTown Bank's data
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HomeTown 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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