Applications / Mortgage Analytics / Lenders / Texas / ISB Capital
Friendswood, TX · Non-bank or government lender · CFPB · 4 loans in 2025
ISB Capital's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
4
loans originated, 2025
4
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ISB Capital, a non-bank lender in Friendswood, Texas, made only four home-purchase loans in 2025, the fewest since it first reported in 2018.
It made 85 loans in 2018, 50 in 2020, six in 2024 and four in 2025. Similar lenders, non-bank lenders making between half and twice as many loans, typically made 24. The data do not say why its lending has dwindled, and four loans are too few to support any comparison of rates, borrowers or neighborhoods.
Every loan in 2025 was a conventional loan to buy a home; all its loans were conventional in 2020 and 2024 too. In 2020, when it made 50 loans, half went to low- and moderate-income neighborhoods and 66.0% to majority-minority ones, so its earlier lending leaned toward poorer areas.
It lends in one metro and three counties, all in Texas. Around Houston it ranks 649th of 929 lenders; in rural Texas, 661st of 831. It has lent in both since 2018, but its share around Houston rounds to nothing.
Similar lenders: same lender type, originations between an eighth and eight 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ISB Capital took 4 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 4 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 | 4 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490087M8OYX68SQN42 | 2018–2025 |
Established 6 May 2005. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: ISB Capital's data.
ISB Capital's data
$215
ISB Capital 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.
Buy ISB Capital's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]