Applications / Mortgage Analytics / Lenders / Texas / FocusOne Mortgage
Houston, TX · Non-bank lender · CFPB · 296 loans in 2025
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296
loans originated, 2025
540
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FocusOne Mortgage is a Texas lender of small conventional loans, and more of them go to poorer and majority-minority neighborhoods than at most similar lenders.
Its typical loan was $165,000, against $345,000 at similar lenders, which are non-bank lenders making between half and twice as many loans; that is lower than at nearly all of them. Every loan was conventional, with no government-backed lending. Refinances made up 56.1% of its loans and purchases 43.9%, and manufactured homes only 0.7%.
58.1% of its loans were in majority-minority neighborhoods, against 32.7% at similar lenders, higher than nearly nine in ten. 27.6% were in low- and moderate-income (LMI) neighborhoods, against 15.6%. Its lending is concentrated in Texas, around Houston and San Antonio, and the neighborhoods it serves there shape these shares.
Its loans rose 32% in 2025, to 296, against 17% at similar lenders and 10% in the whole market. That is still well below the 767 it made in 2020; with more than half its loans refinancings, the fall may reflect fewer borrowers refinancing as its typical rate rose from 3.00% in 2020 to 6.75%. It ranks 216 of 929 lenders around Houston and 53 of 258 in Amarillo, where it has 0.2% of the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FocusOne Mortgage took 540 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.1% · Purchase 43.9%
Conventional 100.0% · of 296 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 | 295 | 99.7% |
| Louisiana | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 161 |
| San Antonio-New Braunfels | 48 |
| Dallas-Plano-Irving | 19 |
| Amarillo | 11 |
| Beaumont-Port Arthur | 9 |
| Corpus Christi | 5 |
| Fort Worth-Arlington-Grapevine | 3 |
| Austin-Round Rock-San Marcos | 2 |
| Brownsville-Harlingen | 1 |
| College Station-Bryan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P6J0MZZT4UMT05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3952865 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7364569955 | |
| Respondent ID (the HMDA filer code before 2018) | 5364569955 | 2006–2006 |
Established 22 February 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: FocusOne Mortgage's data.
FocusOne Mortgage's data
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FocusOne Mortgage 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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