Applications / Mortgage Analytics / Lenders / Texas / NewPoint Real Estate Capital
Plano, TX · Independent non-bank lender · CFPB · 155 loans in 2025
NewPoint Real Estate Capital's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
155
loans originated, 2025
166
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NewPoint Real Estate Capital makes few loans but very large ones, a typical $16.6 million each, which suggests a lender on big properties rather than family homes.
Its typical loan of $16.6 million compares with $325,000 at similar lenders, here the 105 independent non-banks making between half and twice as many loans. The data give no borrower incomes for its loans. Comparing its dollar volume with that of home lenders would mislead, since a single one of its loans can equal dozens of theirs.
Refinances made up 73.5% of its loans in 2025. Loans insured by the Federal Housing Administration (FHA) were 21.9% of the book, against 15.4% at its peers, and it made no loans guaranteed by the Department of Veterans Affairs. Its typical rate, 5.39%, was lower than at almost all of its peers.
It made 155 loans, up 38% from 112, while its peers shrank by 1%. That was faster than nearly nine in ten of them. It lends in 35 states and 77 metros, and added Oklahoma City, Greenville and New Orleans in 2025.
Low- and moderate-income neighborhoods took 34.7% of its loans, against 18.7% at its peers, a higher share than at about nine in ten. Majority-minority neighborhoods took 40.6%, against 25.0%. Its loans are few and large, so a handful of properties can move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NewPoint Real Estate Capital took 166 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.5% · Purchase 23.2% · Home improvement 3.2%
Conventional 78.1% · FHA 21.9% · of 155 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 |
|---|---|---|
| Ohio | 17 | 11.0% |
| California | 15 | 9.7% |
| New York | 15 | 9.7% |
| Virginia | 10 | 6.5% |
| Pennsylvania | 9 | 5.8% |
| Georgia | 8 | 5.2% |
| Illinois | 8 | 5.2% |
| New Jersey | 8 | 5.2% |
| Texas | 8 | 5.2% |
| Arizona | 6 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 11 |
| Arlington-Alexandria-Reston | 10 |
| New York-Jersey City-White Plains | 10 |
| Chicago-Naperville-Schaumburg | 5 |
| Atlanta-Sandy Springs-Roswell | 4 |
| Columbus | 4 |
| Dallas-Plano-Irving | 4 |
| Marietta | 4 |
| Phoenix-Mesa-Chandler | 4 |
| Pittsburgh | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AEULLVYD8L9B04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4326995 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7943159818 |
Established 30 August 1999. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: NewPoint Real Estate Capital's data.
NewPoint Real Estate Capital's data
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NewPoint Real Estate 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.
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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.
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