Applications / Mortgage Analytics / Lenders / Texas / GSB Mortgage
Grapevine, TX · Non-bank subsidiary of a bank · CFPB · 112 loans in 2025
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112
loans originated, 2025
141
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
GSB Mortgage, a Texas non-bank lender owned by a bank, held its lending steady in 2025 at 112 loans, mostly to home buyers, while similar lenders shrank slightly.
Its loans rose 3%, from 109, while similar lenders fell 2%. Those peers are non-bank subsidiaries of banks making between a quarter and four times as many loans, and there are only ten of them. Its count has stayed between 93 and 112 since 2023, far below the 535 of 2020.
Purchases made up 80.4% of its loans and refinances the rest. Its typical loan was $290,000, against $270,000 at peers. Jumbo loans, larger than the conforming limit, made up 4.5%, while its peers made none.
Loans insured by the Federal Housing Administration (FHA) rose to 8.0% from none in 2024. That is still below the peers' 18.0%. Conventional loans fell to 89.3% from 99.1%.
Texas is its main state; it lends in 33 counties across six states. It ranks 263 of 1,026 lenders in Dallas-Fort Worth-Arlington, its market since 2009. Of its loans, 34.8% were in majority-minority neighborhoods, against 27.5% at peers.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. GSB Mortgage took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.4% · Refinance 19.6%
Conventional 89.3% · FHA 8.0% · VA 2.7% · of 112 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 | 107 | 95.5% |
| Kansas | 1 | 0.9% |
| Minnesota | 1 | 0.9% |
| North Carolina | 1 | 0.9% |
| Oklahoma | 1 | 0.9% |
| Tennessee | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 42 |
| Dallas-Plano-Irving | 37 |
| Sherman-Denison | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Corpus Christi | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Kansas City | 1 |
| Longview | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X844WCY1CCL322 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3715417 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3261598586 |
Established 12 December 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: GSB Mortgage's data.
GSB Mortgage's data
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