Applications / Mortgage Analytics / Lenders / Texas / Sage Capital Bank
Gonzales, TX · State non-member bank · FDIC · $741 million assets · 34 loans in 2025
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34
loans originated, 2025
36
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sage Capital Bank, a Texas bank that lends mainly to home buyers, grew its lending 42% in 2025, faster than more than four in five similar banks.
It made 34 loans in 2025, up from 24. Similar lenders, the 380 state non-member banks making between half and twice as many loans, typically grew 1%, and the whole market grew 10%. The base is small, so a few loans either way move the rate a lot.
Home purchases made up 82.4% of its loans and home improvement 14.7%; refinances barely registered. All were conventional, with none backed by the government. Its typical loan, $255,000, was larger than at about three-quarters of similar banks, whose typical loan was $165,000.
Half its loans went to majority-minority neighborhoods, against 6.3% at the typical similar bank. That share was higher than at more than nine in ten of them.
Its biggest market is non-metro Texas, where it ranked 142 of 831 lenders; Rocket Mortgage and United Wholesale Mortgage led there. It has lent in Austin and San Antonio since 1996; in Houston-Pasadena-The Woodlands it ranked 898 of 929. Established in 1984 as American National Bank, it filed no HMDA report for 2020 to 2022. Those years are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Sage Capital Bank took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.4% · Home improvement 14.7% · Refinance 2.9%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 9 |
| San Antonio-New Braunfels | 3 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006X4VPGZ5GVIB71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 448554 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118303 | 1996–2017 |
Established 12 July 1984. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Sage Capital Bank's data.
Sage Capital Bank's data
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Sage 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.
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