Applications / Mortgage Analytics / Lenders / Texas / PlainsCapital Bank
University Park, TX · State member bank · FRS · $12.7 billion assets · 101 loans in 2025
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101
loans originated, 2025
130
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PlainsCapital Bank, a $12.7 billion Texas bank, buys more home loans than it makes: 336 bought in 2025 against 101 of its own.
It bought 336 loans in 2025, up from 192, while the typical similar lender (state member banks making between half and twice as many loans) bought none. Its own originations, 101, were near the middle of that group and rose 9%, close to the market's 10%. It made 216 loans in 2018; the figures do not say why it has made fewer since.
Jumbo loans, those larger than the conforming limit, made up 24.3% of its loans, against 1.4% for its peers; the share was 20.0% five years earlier, so this is a lasting trait. Purchases were 77.2% of its lending. Its loan dollars nearly tripled on almost the same count, so this year's dollar totals say little, and nor do the share gains they produce in markets such as Lubbock.
Majority-minority areas took 43.6% of its loans, against 5.6% at the middle of its peers, more than at almost all of them. That has held for years: the figure was 40.6% five years earlier. Its lending spans ten states and 17 metros, including Houston and Los Angeles, which may help explain it.
Low- and moderate-income (LMI) borrowers took 15.8% of its loans, against 27.2% for its peers, lower than at about four in five of them. A lender of large loans may draw wealthier buyers, which could be one reason. Its share in LMI neighborhoods, 19.4%, was near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PlainsCapital Bank took 130 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.2% · Refinance 20.8% · Other 2.0%
Conventional 100.0% · of 101 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 | 88 | 87.1% |
| New Mexico | 4 | 4.0% |
| Arkansas | 2 | 2.0% |
| Arizona | 1 | 1.0% |
| California | 1 | 1.0% |
| Colorado | 1 | 1.0% |
| Florida | 1 | 1.0% |
| Hawaii | 1 | 1.0% |
| Montana | 1 | 1.0% |
| Utah | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 14 |
| Brownsville-Harlingen | 12 |
| Lubbock | 10 |
| Houston-Pasadena-The Woodlands | 8 |
| McAllen-Edinburg-Mission | 8 |
| Corpus Christi | 7 |
| Fort Worth-Arlington-Grapevine | 7 |
| Dallas-Plano-Irving | 3 |
| San Antonio-New Braunfels | 3 |
| Killeen-Temple | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OBLIP1F3NM5751 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 637451 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2637451 | 1999–2017 |
Established 15 September 1955. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: PlainsCapital Bank's data.
PlainsCapital Bank's data
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PlainsCapital 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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