Applications / Mortgage Analytics / Lenders / Texas / Parkstone Mortgage
Houston, TX · Independent non-bank lender · CFPB · 950 loans in 2025
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950
loans originated, 2025
1,443
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Parkstone Mortgage is a Texas homebuyers' lender that writes bigger loans than its rivals and lends to veterans far more than most, but its rapid growth went into reverse in 2025.
Every loan Parkstone Mortgage made was for a home purchase. Its typical loan was $465,000, against $315,000 at similar lenders (independent non-bank lenders making between half and twice as many loans), larger than nearly nine in ten of them. Some 22.4% of its loans were guaranteed by the Department of Veterans Affairs (VA), against 6.1% at peers, a share higher than at almost all of them.
It first reported in 2022 with 553 loans and nearly doubled to 1,063 by 2024. In 2025 it made 950, down 11%, while the whole market grew 10% and the typical similar lender grew 5%. Its share slipped in each of its three biggest markets: to 0.9% from 1.0% in San Antonio-New Braunfels, where it ranks 28 of 669 lenders, and by a tenth of a point in Austin and Houston. Fewer loans in rising markets could account for that.
Only 5.4% of its borrowers had low or moderate incomes (LMI), against 27.0% at peers, among the lowest tenth of the group. Its larger loans suggest it may serve buyers of pricier homes, which could explain much of that. Yet 37.6% of its loans were in majority-minority neighborhoods, more than the peers' 25.1%.
It denied 0.5% of decided home-purchase applications, against 3.2% at similar lenders, and its typical rate of 5.99% was below the peers' 6.62%.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Parkstone Mortgage took 1,443 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 62.0% · VA 22.4% · FHA 15.6% · of 950 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 | 950 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 307 |
| San Antonio-New Braunfels | 279 |
| Austin-Round Rock-San Marcos | 214 |
| Dallas-Plano-Irving | 90 |
| Fort Worth-Arlington-Grapevine | 60 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JUPH9GRBKWSS23 | 2022–2025 |
Established 27 October 2020. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Parkstone Mortgage's data.
Parkstone Mortgage's data
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Parkstone Mortgage 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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