Applications / Mortgage Analytics / Lenders / Texas / Pilgrim Bank
Pittsburg, TX · State non-member bank · FDIC · $723 million assets · 71 loans in 2025
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71
loans originated, 2025
90
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pilgrim Bank, a Texas bank that lends mostly to home buyers, made far fewer loans in 2025 than a year earlier even as it reached into new markets.
It made 71 loans, down 42% from 122 in 2024. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and only a few of them shrank faster. Its volume has swung before: 85 loans in 2019, 145 in 2022. The figures do not say whether it chose to lend less or lost business to rivals.
Purchases made up 64.8% of its loans, with the rest split between refinances, home improvement and other purposes. All were conventional. Its typical loan was $165,000, close to the $175,000 of similar lenders.
It lends in 23 counties across four states, from non-metro Texas to Dallas-Fort Worth-Arlington and Oklahoma. In 2025 it first lent in non-metro Ohio and Tulsa, though its share in both is tiny. It merged with State National Bank of Texas in 2015, whose filings count in its market figures.
Some 18.3% of its loans were in majority-minority neighborhoods, against 6.5% at similar lenders, higher than about seven in ten of them. The share was 14.8% in 2024. The makeup of the markets it serves may explain it.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Pilgrim Bank took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.8% · Refinance 12.7% · Home improvement 11.3% · Other 11.3%
Conventional 100.0% · of 71 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 | 66 | 93.0% |
| Oklahoma | 3 | 4.2% |
| Arkansas | 1 | 1.4% |
| Ohio | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 7 |
| Tyler | 4 |
| Dallas-Plano-Irving | 3 |
| Fort Worth-Arlington-Grapevine | 3 |
| Houston-Pasadena-The Woodlands | 1 |
| Texarkana | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GMJ6RM02VXK542 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 911160 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316891 | 2015–2017 |
Established 1 January 1911. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Pilgrim Bank's data.
Pilgrim Bank's data
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