Applications / Mortgage Analytics / Lenders / Texas / Central Bank
Houston, TX · State member bank · FRS · $1.3 billion assets · 35 loans in 2025
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35
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Bank, a Houston bank, now makes few home loans, but large ones: its typical loan was $585,000 in 2025.
The bank made between 214 and 291 loans a year from 2018 to 2022, then 175 in 2023 and just 26 in 2024. It made 35 in 2025, up 35%, while similar banks, state member banks making between half and twice as many loans, fell 2%. The filings do not say why. It may have narrowed its home lending to fewer, larger loans: its typical loan was $115,000 five years before.
Its typical loan was $585,000, against $190,000 at peers. Jumbo loans, those larger than the conforming limit, made up 29.4%, compared with 3.6% at the typical peer. Loans this large may help explain why only 8.0% of its borrowers had low or moderate incomes, against 23.1% at peers. On 35 loans, a few big deals move these figures.
It also bought 24 loans, about as many as in 2024 and five years before, while the typical peer bought none. Of the loans it made, 48.6% were in majority-minority neighborhoods, against 7.2% at peers. Houston, its largest market, is where it has filed since 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.6% · Refinance 31.4%
Conventional 91.4% · FHA 8.6% · of 35 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 | 34 | 97.1% |
| District of Columbia | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 31 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
| Washington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005J49KPXDXUC959 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 31255 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317612 | 1990–2013 |
| Respondent ID (the HMDA filer code before 2018) | 231255 | 2014–2017 |
Established 31 May 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Central Bank's data.
Central Bank's data
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