Applications / Mortgage Analytics / Lenders / Texas / Colina Mortgage Group
Houston, TX · Non-bank or government lender · CFPB · 190 loans in 2025
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190
loans originated, 2025
276
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Colina Mortgage Group is a Houston lender to home buyers that leans heavily on government-backed loans, and in 2025 it shrank while similar lenders grew.
Nearly all its loans, 99.5%, financed a home purchase. About half were insured by the Federal Housing Administration (FHA) and another 12.6% were guaranteed by the Department of Veterans Affairs (VA). The typical similar lender, a non-bank making between half and twice as many loans, made only conventional loans. Its typical loan, $295,000, was also smaller than theirs, at $370,000.
Its loans fell 19% to 190, while similar lenders grew by 8% and the whole market by 10%. In 2021, its first year of reporting, it made 404. Its share of the Houston market slipped from 0.2% to 0.1%, putting it 153rd of 929 lenders. United Wholesale Mortgage and Rocket Mortgage lead there.
It lends in poorer neighborhoods more than its peers do. Some 31.6% of its loans went to low- and moderate-income (LMI) tracts, against 19.7% for the typical similar lender. In majority-minority tracts the figures were 42.6% and 32.3%. All of its lending is in five counties of one metro, so these shares reflect Houston's neighborhoods as much as the lender's choices.
Its typical rate, 4.99%, was the lowest among similar lenders, whose middle was 6.62%. It fell from 5.99% in 2024, and none of its 2025 loans was higher-priced, meaning a rate well above the average for similar loans. The filings do not say why its rates sit so far below its peers'.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Colina Mortgage Group took 276 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.5% · Refinance 0.5%
FHA 49.5% · Conventional 37.4% · VA 12.6% · USDA (RHS or FSA) 0.5% · of 190 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 | 190 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 190 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JOP4NNUK6I6R61 | 2021–2025 |
Established 22 July 2019. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Colina Mortgage Group's data.
Colina Mortgage Group's data
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Colina Mortgage Group 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.
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