Applications / Mortgage Analytics / Lenders / Texas / Bank of DeSoto
De Soto, TX · National bank · OCC · $266 million assets · 19 loans in 2025
Bank of DeSoto's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
19
loans originated, 2025
27
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of DeSoto, a national bank in De Soto, Texas, lends mostly in majority-minority neighborhoods of the Dallas area, though its lending has thinned to 19 loans.
The bank appears in the public data from 1990, the first year it covers. Its largest market is Dallas-Fort Worth, where it ranks 520 of 1,026 lenders and United Wholesale Mortgage leads. Its lending covers four counties in two metros.
It made 67 loans in 2018, filed no reports for 2020 to 2022, and has made 58, 41 and 19 since. The 54% fall in 2025 compares with a 16% fall at similar lenders (national banks making between half and twice as many loans). The record does not say why.
In 2024, when it made 41 loans, 63.4% went to majority-minority neighborhoods and 51.2% to poorer ones (low- and moderate-income tracts). At a typical similar lender in 2025 those shares were 12.5% and 21.4%. Its 19 loans in 2025 followed the same pattern, though they are too few to read much into. Most financed home purchases, and all were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bank of DeSoto took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.7% · Refinance 15.8% · Home improvement 5.3% · Other 5.3%
Conventional 100.0% · of 19 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 | 19 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 17 |
| Fort Worth-Arlington-Grapevine | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SS41NEZDLCGD86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 638355 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 120415 | 1990–2017 |
Established 27 January 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of DeSoto's data.
Bank of DeSoto's data
$215
Bank of DeSoto 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 Bank of DeSoto'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]