A buyer as well as a maker
It made 106 loans in 2025 and bought 101 from other lenders. The typical similar lender (a savings institution making between half and twice as many loans) bought none.
Applications / Mortgage Analytics / Lenders / Texas / TBK Bank
TBK Bank
Dallas, TX · Savings institution · FDIC · $6.4 billion assets · 106 loans in 2025
TBK Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
106
loans originated, 2025
183
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TBK Bank, a Dallas savings institution, buys almost as many home loans as it makes, and lends more in poorer and majority-minority neighborhoods than most of its peers.
Growing again, from a lower base
Its loans rose 32%, faster than more than eight in ten similar lenders, which grew 6%. That follows a fall from 296 loans in 2020 to 63 in 2023. Purchase loans made up 77.4% of the total.
Lending in poorer neighborhoods
In 2025, 44.0% of its loans went to low- and moderate-income (LMI) borrowers, against 24.1% at similar lenders, higher than more than nine in ten. LMI neighborhoods and majority-minority neighborhoods each took 34.9% of its loans, against 16.9% and 5.6% at peers. Both shares rose from a year earlier.
Spread thin across seven states
Its lending reaches 27 counties in seven states. In Davenport-Moline-Rock Island, IA-IL, where it has lent since at least 1990, it holds 0.2%, placing it 72 of 288 lenders. In Dallas-Fort Worth-Arlington it ranks 312 of 1,026.
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
106 loans in 2025, against a peak of 296 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TBK Bank took 183 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
77.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 77.4% · Refinance 14.2% · Other 7.5% · Home improvement 0.9%
Conventional 100.0% · of 106 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
7 states, 10 metros, 27 counties
| State | Loans | Share |
|---|---|---|
| Texas | 44 | 41.5% |
| Colorado | 33 | 31.1% |
| Illinois | 17 | 16.0% |
| Iowa | 6 | 5.7% |
| New Mexico | 3 | 2.8% |
| Kansas | 2 | 1.9% |
| Arizona | 1 | 0.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 43 |
| Davenport-Moline-Rock Island | 15 |
| Elgin | 4 |
| Farmington | 3 |
| Greeley | 3 |
| Denver-Aurora-Centennial | 2 |
| College Station-Bryan | 1 |
| Colorado Springs | 1 |
| Fort Collins-Loveland | 1 |
| Prescott Valley-Prescott | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000B61DDZ2PG1515 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 766164 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323498 | 2005–2017 |
Established 15 July 1981. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: TBK Bank's data.
The data and the software behind these pages
TBK Bank's data
$215
TBK 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.
Buy TBK Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]