Applications / Mortgage Analytics / Lenders / Texas / Trinity Capital Bank of Texas
Ennis, TX · State non-member bank · FDIC · $441 million assets · 52 loans in 2025
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52
loans originated, 2025
100
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Trinity Capital Bank of Texas, known as Ennis State Bank until 2025, is a small home-purchase lender whose lending fell by two-fifths in 2025.
Home purchases made up 53.8% of its 52 loans in 2025 and home improvement 23.1%. Its typical loan was $225,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), above about seven in ten of them. All of its lending was conventional.
Its loans fell 40%, from 87 to 52, while similar lenders grew 5% and the whole market 10%. The longer fall is steeper: it made 251 loans in 2020, when its typical rate was 3.00%, and cheaper money then may explain much of that peak. It merged with ESB Mortgage Company that year, which may also bear on the jump from 33 loans in 2019. On 52 loans, a handful of purchases more or less can swing the count a long way.
Homes in majority-minority neighborhoods drew 23.1% of its loans, against 6.3% at similar lenders, more than at about three in four of them. A quarter of its loans, 25.0%, went to low- and moderate-income neighborhoods, against 18.5% for peers. Both shares fell from 2024, but on 52 loans a few loans move them a long way.
Its biggest market is Dallas-Fort Worth-Arlington, where it ranked 401 of 1,026 lenders and has lent since at least 1990. Outside Texas it lends in Crestview-Fort Walton Beach-Destin, where it entered in 2021 and its share rose to 0.1%, ranking it 164 of 606 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Trinity Capital Bank of Texas took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.8% · Home improvement 23.1% · Refinance 19.2% · Other 3.8%
Conventional 100.0% · of 52 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 | 50 | 96.2% |
| Florida | 2 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 36 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Killeen-Temple | 1 |
| Sherman-Denison | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L0KQ09W67V4228 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 435059 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313000 | 1990–2017 |
Established 1 January 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Trinity Capital Bank of Texas's data.
Trinity Capital Bank of Texas's data
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Trinity Capital Bank of Texas 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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