Applications / Mortgage Analytics / Lenders / Texas / RB Mortgage
Live Oak, TX · Non-bank affiliate of a holding company · CFPB · 38 loans in 2025
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38
loans originated, 2025
49
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RB Mortgage, a Texas home-purchase lender owned by a holding company, made 38 loans in 2025, down 60% on the year and a fraction of its 547 in 2020.
Its loans fell to 38 from 95. Similar lenders, non-bank affiliates of holding companies making between an eighth and eight times as many loans, fell by 16%. There are only 10 of them, so the comparison is rough. Its loans have fallen every year since 2020, and the record does not say why.
Every loan it made was a home purchase, and all were in Texas, across 8 metros. San Antonio is its largest market, where it ranked 242 of 669 lenders.
In 2024 all its loans were insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA). In 2025 conventional loans made up 76.3%. With so few loans, one year's mix can swing a long way, and the break may say more about a handful of borrowers than about a change of strategy.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RB Mortgage took 49 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 76.3% · FHA 13.2% · VA 10.5% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 19 |
| Austin-Round Rock-San Marcos | 7 |
| Dallas-Plano-Irving | 3 |
| Brownsville-Harlingen | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| College Station-Bryan | 1 |
| Laredo | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GRZDILCBTHSL98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877732 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7371655726 |
Established 9 November 2011. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: RB Mortgage's data.
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