Applications / Mortgage Analytics / Lenders / Texas / Pointbank
Pilot Point, TX · State member bank · FRS · $1.1 billion assets · 46 loans in 2025
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46
loans originated, 2025
82
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pointbank, a Texas bank, nearly doubled its home loans in 2025 and makes much larger loans than most banks its size.
Its loans rose 92%, to 46 from 24, faster than almost all similar lenders (state member banks making between half and twice as many loans), whose loans rose 6%. The whole market grew 10%. The record has gaps: it filed no report for 2020 to 2022, and it made 41 loans in 2018, so 2025 looks more like a return to earlier levels than a break-out.
Its typical loan was $465,000, against $185,000 at peers. Jumbo loans, those larger than the conforming limit, made up 26.2% of its lending, against 3.1%, a higher share than nearly nine in ten similar lenders. Home purchases made up 80.4% of its loans.
Low- and moderate-income (LMI) borrowers took 6.9% of its loans, against 24.3% at peers, lower than nearly nine in ten. Large purchase loans tend to go to higher earners, which may explain the gap. By contrast, 19.6% of its loans went to majority-minority neighborhoods, against 7.3% at peers.
Dallas-Fort Worth is its largest market, where it ranks 270 of 1,026 lenders; United Wholesale Mortgage leads. In Tyler its share rose to 0.1% from 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Pointbank took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.4% · Home improvement 8.7% · Refinance 6.5% · Other 4.3%
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 | 45 | 97.8% |
| Colorado | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 31 |
| Fort Worth-Arlington-Grapevine | 5 |
| Tyler | 3 |
| Sherman-Denison | 2 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JODTD5ROHSII79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 844567 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2844567 | 2003–2017 |
Established 13 July 1892. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Pointbank's data.
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