Applications / Mortgage Analytics / Lenders / Texas / Texas Community Bank
Laredo, TX · State member bank · FRS · $2.2 billion assets · 67 loans in 2025
Texas Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
67
loans originated, 2025
93
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nearly all of Texas Community Bank's home loans go to majority-minority neighborhoods, which may reflect its base in Laredo, where it ranks 13th of 168 lenders.
Majority-minority neighborhoods took 92.5% of its loans. Similar lenders, state member banks making between half and twice as many loans, put 6.5% there; no similar bank put more. Low- and moderate-income (LMI) neighborhoods took 28.4% of its loans, against 17.5%, more than at about three in four similar banks.
Low- and moderate-income borrowers took only 5.9% of its loans, against 26.6% at similar banks, among the lowest tenth. Its typical loan, $195,000, is larger than similar banks' $175,000, and 5.5% of its loans were jumbo (larger than the conforming limit), against 2.1%. A book of bigger purchase loans may draw higher-income borrowers. On 67 loans, a few loans move these shares.
Its share of Laredo lending fell to 1.9% from 2.7%. It made more loans, 67 against 59, but its typical loan fell to $195,000 from $245,000. Smaller loans, not fewer, may account for the fall. PrimeLending and United Wholesale Mortgage lead the market, where the bank has lent since 2004.
Its loans rose 14% in 2025, near the middle of similar banks. Yet it made 136 loans in 2020 and 147 in 2021, about double today's number.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas Community Bank took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.7% · Refinance 25.4% · Home improvement 10.4% · Other 7.5%
Conventional 100.0% · of 67 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 | 67 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Laredo | 37 |
| San Antonio-New Braunfels | 11 |
| Brownsville-Harlingen | 7 |
| McAllen-Edinburg-Mission | 3 |
| Austin-Round Rock-San Marcos | 1 |
| Corpus Christi | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V1GCCNY7J42I93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 528960 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117826 | 1990–2012 |
| Respondent ID (the HMDA filer code before 2018) | 2528960 | 2013–2017 |
Established 20 June 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Texas Community Bank's data.
Texas Community Bank's data
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Texas Community 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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