Applications / Mortgage Analytics / Lenders / Texas / Vista Bank
Dallas, TX · State member bank · FRS · $2.5 billion assets · 88 loans in 2025
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88
loans originated, 2025
101
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vista Bank, a Dallas bank, makes few home loans but big ones: about a third of its 88 loans in 2025 were jumbo loans, larger than the conforming limit, against 1.5% at similar banks.
Jumbo loans made up 34.6% of its lending, up from 28.9% in 2024 and 19.5% in 2020. Among similar lenders, state member banks making between half and twice as many loans, its share was higher than at almost all of the 167. Its typical loan was $550,000, more than three times peers' $175,000. Purchases made up 72.7% of its loans.
Its 88 loans were spread across 9 states and 17 metros. In 2025 it made its first loans in the Seattle area, Napa, non-metro Massachusetts and non-metro Wyoming. Lubbock, where it has lent since at least 1990, is the market where it counts most, with 0.5% of lending and a rank of 33 of 341. Its loans fell 11% while similar banks grew 8%.
Only 2.1% of its borrowers had low or moderate incomes (LMI), against 27.3% at the typical peer, among the lowest shares in its group. Large purchase loans tend to go to higher earners, which may explain most of that. Yet 27.3% of its loans went to majority-minority neighborhoods, almost five times peers' 5.6% and higher than about nine in ten similar banks.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vista Bank took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.7% · Refinance 27.3%
Conventional 100.0% · of 88 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 | 51 | 58.0% |
| Florida | 25 | 28.4% |
| Colorado | 3 | 3.4% |
| Connecticut | 3 | 3.4% |
| California | 2 | 2.3% |
| Massachusetts | 1 | 1.1% |
| North Carolina | 1 | 1.1% |
| Washington | 1 | 1.1% |
| Wyoming | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 29 |
| West Palm Beach-Boca Raton-Delray Beach | 11 |
| Dallas-Plano-Irving | 7 |
| Naples-Marco Island | 7 |
| Miami-Miami Beach-Kendall | 3 |
| Bridgeport-Stamford-Danbury | 2 |
| Fort Worth-Arlington-Grapevine | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| North Port-Bradenton-Sarasota | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009LZZ8VZRVIX755 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 645465 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2645465 | 2000–2017 |
Established 25 January 1912. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Vista Bank's data.
Vista Bank's data
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