Applications / Mortgage Analytics / Lenders / Texas / Crestmark Mortgage Company
Houston, TX · Independent non-bank lender · CFPB · 967 loans in 2025
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967
loans originated, 2025
1,296
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Crestmark Mortgage Company is a Texas home-purchase lender of larger-than-usual loans, with a heavy book of loans guaranteed by the Department of Veterans Affairs (VA).
Purchases make up 99.3% of its lending, and it lends only in Texas. Its typical loan, $455,000, is larger than at about six in seven similar lenders, independent non-banks making between half and twice as many loans, whose typical loan is $315,000. VA loans make up 20.7% of its book, against 6.1% at those lenders.
Its typical rate was 5.99%, against 6.62% at similar lenders, among the lowest tenth of the group. It turned down 1.1% of decided home-purchase applications, against 3.2%.
Majority-minority neighborhoods took 53.1% of its loans, up from 39.3% in 2024 and higher than at nearly nine in ten similar lenders. Low- and moderate-income borrowers took only 4.7%, against 27.0%. The two can sit together: borrowers who take loans of $455,000 may earn more, whatever neighborhood they buy in.
Its loans rose 7% to 967, close to similar lenders' 5%. In San Antonio it ranks 32 of 669 lenders, with 0.7% of the market, up from 0.6%. In Houston, its home market since 2011, it ranks 54 of 929 with an unchanged 0.4%; United Wholesale Mortgage leads both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Crestmark Mortgage Company took 1,296 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.3% · Refinance 0.7%
Conventional 62.3% · VA 20.7% · FHA 17.1% · of 967 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 | 967 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 414 |
| San Antonio-New Braunfels | 248 |
| Dallas-Plano-Irving | 131 |
| Austin-Round Rock-San Marcos | 117 |
| Fort Worth-Arlington-Grapevine | 52 |
| Sherman-Denison | 3 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z4DV0VEDFHP667 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437752 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7208693961 |
Established 19 March 2007. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Crestmark Mortgage Company's data.
Crestmark Mortgage Company's data
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Crestmark Mortgage Company 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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