Applications / Mortgage Analytics / Lenders / Texas / Texas Republic Bank
Frisco, TX · National bank · OCC · $503 million assets · 50 loans in 2025
Texas Republic Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
50
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Republic Bank lends mostly to home buyers, but its volume has fallen by about half since 2022.
Purchases made up 84.0% of its loans, all of them conventional. Its typical loan, $260,000, was larger than at nearly three in four similar lenders, national banks making between half and twice as many loans, whose typical loan was $185,000.
It made 50 loans in 2025, down 14%, while similar banks grew by 3% and the whole market by 10%; three in four similar banks grew faster. It made 146 loans in 2018 and 99 in 2022. The record does not say why. A bank that lends mostly to buyers may track home sales in the few markets it serves, and its dollar lending, $22.3 million, remains above similar banks' $17.2 million.
Borrowers with low or moderate incomes took 40.0% of its loans, up from 15.0% in 2024 and more than at about four in five similar banks, whose typical share was 22.5%. On 50 loans, a few loans move that share, so one year proves little. Majority-minority neighborhoods took 26.5%, against 11.1%, close to its share in 2024 and 2020.
Its largest market is Dallas-Fort Worth, where it ranks 332 of 1,026 lenders and has lent since 2012; United Wholesale Mortgage and Rocket Mortgage lead. It also lends in non-metro Oklahoma, where it ranks 151 of 538.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Republic Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.0% · Refinance 10.0% · Home improvement 4.0% · Other 2.0%
Conventional 100.0% · of 50 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 | 47 | 94.0% |
| Oklahoma | 2 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 32 |
| Fort Worth-Arlington-Grapevine | 8 |
| Houston-Pasadena-The Woodlands | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HVUN4WJ2BRSZ39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 735067 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112308 | 2007–2017 |
Established 21 May 1891. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Texas Republic Bank's data.
Texas Republic Bank's data
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Texas Republic 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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