Applications / Mortgage Analytics / Lenders / Texas / Rio Bank
McAllen, TX · State non-member bank · FDIC · $1.4 billion assets · 56 loans in 2025
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56
loans originated, 2025
76
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rio Bank, based in McAllen, Texas, makes most of its home loans in majority-minority neighborhoods, and its lending rose by more than two-fifths in 2025, the year it merged with Lone Star Capital Bank.
Some 78.6% of its loans went to majority-minority neighborhoods, against 6.5% at the typical similar lender (state non-member banks making between half and twice as many loans). Only about one in fifty peers has a higher share. The figure may mostly reflect where it lends: its main markets include McAllen and Brownsville, and it entered Laredo in 2022. It also lent more in low- and moderate-income neighborhoods, 29.1% against 18.6%.
Its loans rose 44% in 2025, from 39 to 56, while similar lenders grew 7% and the whole market 10%. Rio Bank merged with Lone Star Capital Bank that year, which may account for some of the rise. Even so, it made fewer loans than at its 2022 peak of 89.
In McAllen it ranks 57 of 295 lenders, with an unchanged 0.3% of the dollars; United Wholesale Mortgage leads there. Its shares in Brownsville and Laredo each fell by 0.1 points. With so few loans, a handful either way could explain such small moves.
Purchases made up 82.1% of its loans and refinancing the rest. Every loan was conventional, with no government backing. Its typical loan, $215,000, was larger than the $165,000 at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rio Bank took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.1% · Refinance 17.9%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| McAllen-Edinburg-Mission | 29 |
| Brownsville-Harlingen | 11 |
| San Antonio-New Braunfels | 5 |
| Austin-Round Rock-San Marcos | 3 |
| Laredo | 2 |
| Corpus Christi | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007MVCEU8QCNWC60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 956750 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 325886 | 2002–2017 |
Established 11 February 1985. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Rio Bank's data.
Rio Bank's data
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