Applications / Mortgage Analytics / Lenders / Texas / UBank
Huntington, TX · State non-member bank · FDIC · $906 million assets · 44 loans in 2025
UBank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
44
loans originated, 2025
63
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UBank, formerly Huntington State Bank in Texas, makes larger loans than most similar banks and in 2025 began lending as far off as Sacramento and New York State.
Its typical loan was $375,000 in 2025, against $165,000 at the 466 similar lenders, state non-member banks making between half and twice as many loans. That is larger than at about nine in ten of them, and up from $140,000 in 2020. Purchases made up 68.2% of its 44 loans, all of them conventional.
Loans rose 13%, from 39 to 44, while similar lenders grew 3%. That is still about half the 76 to 97 a year it made from 2018 to 2022. Yet it lent $70.2 million in 2025, against $24.8 million in 2020, as its typical loan grew. It may have chosen fewer, bigger loans over many small ones.
Tyler, Texas, where it has lent since 2006, is the market where it counts most: it ranks 31 of 345 lenders, though its share slipped from 1.0% to 0.9%, a move a few loans can make. In 2025 it made its first loans in San Antonio, Sacramento and two New York metros, and its loans now reach seven states.
Majority-minority neighborhoods took 29.5% of its loans, against 5.6% at the typical peer, higher than at about four in five similar lenders. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) also took 29.5%. LMI borrowers took 21.4%, below the peers' 28.2%; its larger loans may account for some of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UBank took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.2% · Refinance 20.5% · Home improvement 6.8% · Other 4.5%
Conventional 100.0% · of 44 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 | 36 | 81.8% |
| New York | 3 | 6.8% |
| Arkansas | 1 | 2.3% |
| California | 1 | 2.3% |
| Colorado | 1 | 2.3% |
| Florida | 1 | 2.3% |
| Oklahoma | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tyler | 9 |
| Dallas-Plano-Irving | 7 |
| Houston-Pasadena-The Woodlands | 3 |
| Longview | 3 |
| Glens Falls | 1 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
| Nassau County-Suffolk County | 1 |
| Sacramento-Roseville-Folsom | 1 |
| San Antonio-New Braunfels | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IVS7RAU1H3GS10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 917555 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318344 | 2006–2017 |
Established 23 January 1961. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: UBank's data.
UBank's data
$215
UBank 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 UBank'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]