Applications / Mortgage Analytics / Lenders / Texas / Peoples State Bank
Shepherd, TX · State non-member bank · FDIC · $187 million assets · 32 loans in 2025
Peoples State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
32
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples State Bank, of Shepherd, Texas, is back in the public record in 2025 after seven years without a report, with 32 loans, nearly all of them to home buyers.
It first reported in 2004 but filed no report from 2018 to 2024. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are missing data, not years without lending. That also means there is no recent history to compare its 2025 lending with.
Purchases made up 96.9% of its loans. All were conventional, with no government-backed, jumbo or manufactured-home loans. Its typical loan was $175,000, the same as at similar lenders (state non-member banks making between half and twice as many loans).
Some 31.2% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.9% at similar lenders. Its share of loans to LMI borrowers was far lower. Both rest on a handful of its 32 loans and are too small to read much into.
It has lent in the Houston-Pasadena-The Woodlands market since 2004 and ranked 442 of 929 lenders there in 2025. United Wholesale Mortgage ranks first. It also lends in non-metro Texas, where it ranks 415 of 831, across 8 counties in all.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Peoples State Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.9% · Refinance 3.1%
Conventional 100.0% · of 32 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 | 32 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845009F0485ED08E927 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 586960 | 2004–2013 |
| Respondent ID (the HMDA filer code before 2018) | 310345 | 2004–2013 |
Established 21 September 1921. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Peoples State Bank's data.
Peoples State Bank's data
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