Applications / Mortgage Analytics / Lenders / Texas / Industry State Bank
Industry, TX · State non-member bank · FDIC · $641 million assets · 5 loans in 2025
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5
loans originated, 2025
10
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Industry State Bank, a Texas bank with $641 million in assets, made only 5 home loans in 2025, every one of them a home purchase.
Its loans fell 79% in 2025, from 24 to 5. Similar lenders (state non-member banks making between a quarter and four times as many loans) fell 39%, and the whole market rose 10%, so its decline was steeper than at about nine in ten of them. It made 52 loans in 2019 and 18 in 2023. The figures do not say why lending fell. The bank filed no reports for 2020 to 2022; those are gaps in the record, not years without loans.
All 5 loans were conventional loans to buy homes, with no refinancing or home-improvement lending. Five loans are far too few to say anything about the size of its loans or who its borrowers are, so comparisons with similar lenders on those measures mean little this year.
It lends in 3 counties, all in Texas. Its largest market is non-metro Texas, where it ranks 570 of 831 lenders; Rocket Mortgage and United Wholesale Mortgage lead there. It also lends in Houston-Pasadena-The Woodlands, where it ranks 835 of 929. It has reported loans in both markets since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Industry State Bank took 10 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 5 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 | 5 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ARLAZ571P0Z136 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 733054 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312506 | 2004–2017 |
Established 1 June 1911. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Industry State Bank's data.
Industry State Bank's data
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Industry State Bank 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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