Applications / Mortgage Analytics / Lenders / Texas / Liberty Capital Bank
Addison, TX · State non-member bank · FDIC · $747 million assets · 23 loans in 2025
Liberty Capital Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
26
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Capital Bank, a small Texas state bank, reported 23 home loans in 2025, after filing nothing for 2018 to 2024, in the year it merged with Texas Heritage Bank.
The bank has filed under the Home Mortgage Disclosure Act since 2010 but filed no report for 2018 to 2024. Those years are gaps in the record, not years without lending; since 2020 a bank making fewer than 100 closed-end loans a year need not report. Its 23 loans put it below about four-fifths of similar lenders (state non-member banks making between half and twice as many loans) for volume.
It merged with Texas Heritage Bank in 2025. That bank's filings count as Liberty Capital Bank's in the market figures, which may be why its presence in San Antonio, Abilene and non-metro Texas dates back further than its own reports. It ranks 104 of 251 lenders by dollars lent in Abilene, TX, and 267 of 669 in San Antonio-New Braunfels, TX.
With 23 loans, its mix of products and borrowers says little. Home-improvement loans and manufactured homes each account for a large share, but a handful of loans would change either. A fuller picture will need more years of filings.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Liberty Capital Bank took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.5% · Home improvement 30.4% · Refinance 13.0%
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 | 21 | 91.3% |
| Alabama | 1 | 4.3% |
| Arizona | 1 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Abilene | 11 |
| San Antonio-New Braunfels | 5 |
| Daphne-Fairhope-Foley | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900C7T2ET9EM0RK88 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3690121 | 2010–2016 |
| Respondent ID (the HMDA filer code before 2018) | 358852 | 2010–2016 |
Established 15 September 2008. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Liberty Capital Bank's data.
Liberty Capital Bank's data
$215
Liberty Capital 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.
Buy Liberty Capital Bank'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]