Steady growth
Its loans rose 8% in 2025, to 726. Similar lenders, non-bank lenders making between half and twice as many loans, grew 12%, and the whole market 10%. It made 400 loans in 2021 and has added loans every year since.
Applications / Mortgage Analytics / Lenders / Texas / 212 Loans
212 Loans
Friendswood, TX · Non-bank or government lender · CFPB · 726 loans in 2025
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726
loans originated, 2025
726
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
212 Loans, a Texas lender that makes only conventional home-purchase loans, has grown every year since 2021; its biggest state is Florida.
One product
Every loan was a conventional loan to buy a home, with no manufactured homes and almost no jumbo loans (larger than the conforming limit), 0.5%. Its typical loan was $235,000, against $365,000 at similar lenders. Its 2025 filing gives no borrower incomes, so its lending to low- and moderate-income (LMI) borrowers cannot be measured.
Poorer neighborhoods
LMI neighborhoods took 40.0% of its loans, against 22.0% at similar lenders, more than at four in five of them. Majority-minority neighborhoods took 51.0%, against 35.6%. Both shares have stayed high since 2020, when they were 45.8% and 55.3%.
A Florida lender from Texas
It lends in 11 states and 28 metro areas. In Jacksonville, which it entered in 2023, its share rose 0.1 points, to 0.2%, and it ranked 110 of 715. In 2025 it entered Virginia Beach-Chesapeake-Norfolk, Clarksville and rural Wisconsin.
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
726 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 212 Loans took 726 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
All of its 2025 loans were purchase loans; all were conventional loans.
Purchase 100.0%
Conventional 100.0% · of 726 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
11 states, 28 metros, 69 counties
| State | Loans | Share |
|---|---|---|
| Florida | 351 | 48.3% |
| Texas | 233 | 32.1% |
| Wisconsin | 29 | 4.0% |
| North Carolina | 23 | 3.2% |
| Arizona | 22 | 3.0% |
| Tennessee | 22 | 3.0% |
| Georgia | 21 | 2.9% |
| Nevada | 11 | 1.5% |
| Virginia | 7 | 1.0% |
| Oklahoma | 4 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 114 |
| Jacksonville | 106 |
| Tampa | 103 |
| St. Petersburg-Clearwater-Largo | 62 |
| Orlando-Kissimmee-Sanford | 59 |
| Austin-Round Rock-San Marcos | 54 |
| San Antonio-New Braunfels | 33 |
| Milwaukee-Waukesha | 24 |
| Charlotte-Concord-Gastonia | 23 |
| Phoenix-Mesa-Chandler | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ACU16O36WZP625 | 2018–2025 |
Established 24 January 2013. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: 212 Loans's data.
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