Applications / Mortgage Analytics / Lenders / Texas / Kleberg Bank
Kingsville, TX · National bank · OCC · $735 million assets · 23 loans in 2025
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23
loans originated, 2025
25
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kleberg Bank, a national bank in Kingsville, Texas, now makes only a couple of dozen home loans a year, a fraction of the 199 it made in 2018.
It made 199 loans in 2018, 108 in 2021 and 76 in 2022, then only 12 in 2023. It made 28 in 2024 and 23 in 2025. Its fall of 18% in 2025 was close to that of similar lenders, national banks making between half and twice as many loans, which shrank 15% at the middle while the whole market grew 10%. The record does not say why the bank makes so many fewer home loans than it did; a decline like this can reflect a choice to make fewer of them rather than a loss of customers.
Home purchases made up 65.2% of its loans in 2025, other purposes 26.1% and refinances 8.7%. Every loan was conventional. With 23 loans, its shares of lending to particular borrowers, neighborhoods and loan sizes swing widely and are too small to read much into.
Corpus Christi is its largest market. It has lent there since 2004 and ranked 50 of 389 lenders,. DHI Mortgage Company led that market. It also lends in non-metro Texas and, from 2025, in Tampa and Denver.
The bank was known as Kleberg First National Bank of Kingsville until 2014, and first reported under the mortgage-disclosure rules in 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kleberg Bank took 25 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.2% · Other 26.1% · Refinance 8.7%
Conventional 100.0% · of 23 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 | 19 | 82.6% |
| North Carolina | 2 | 8.7% |
| Colorado | 1 | 4.3% |
| Florida | 1 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 16 |
| Austin-Round Rock-San Marcos | 1 |
| Denver-Aurora-Centennial | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C690YBM0ROXL93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 556459 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112968 | 2004–2017 |
Established 1 January 1926. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Kleberg Bank's data.
Kleberg Bank's data
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