Applications / Mortgage Analytics / Lenders / Texas / SouthStar Bank
Moulton, TX · Savings institution · FDIC · $1.3 billion assets · 142 loans in 2025
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142
loans originated, 2025
247
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SouthStar Bank, a Texas savings bank, lends in majority-minority neighborhoods far more often than similar lenders, and in 2025 its loans grew by a fifth after four years of decline.
Two in five of its loans (41.5%) went to census tracts where most residents belong to minority groups. At the typical similar lender, meaning a savings institution making between half and twice as many loans, the figure was 5.6%. That puts SouthStar Bank above almost all of its 147 peers. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 18.0%, close to theirs.
Originations rose 20% to 142, against 6% at the typical peer and 10% for the whole market. The rise follows a long slide, from 351 loans in 2020 to 118 in 2024, so the bank is still well below its recent peak.
Its typical loan was $315,000, against $245,000 at peers. Jumbo loans, those larger than the conforming limit, made up 14.0% of its lending; at the typical peer they were 2.4%. Three-quarters of its loans (74.6%) financed home purchases.
In Austin, its largest market, it ranked 101 of 753 lenders, and its share rose from 0.1% to 0.2%. It has lent there since 1999. Its lending reaches 13 states, but Texas is its home.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SouthStar Bank took 247 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.6% · Refinance 22.5% · Home improvement 1.4% · Other 1.4%
Conventional 99.3% · FHA 0.7% · of 142 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 | 126 | 88.7% |
| Tennessee | 3 | 2.1% |
| California | 2 | 1.4% |
| South Carolina | 2 | 1.4% |
| Arkansas | 1 | 0.7% |
| Connecticut | 1 | 0.7% |
| Hawaii | 1 | 0.7% |
| Iowa | 1 | 0.7% |
| Indiana | 1 | 0.7% |
| Maryland | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 78 |
| College Station-Bryan | 8 |
| Houston-Pasadena-The Woodlands | 4 |
| Killeen-Temple | 4 |
| Memphis | 3 |
| San Antonio-New Braunfels | 2 |
| Baltimore-Columbia-Towson | 1 |
| Columbia | 1 |
| Corpus Christi | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C1YZ5ZORJBI935 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 171768 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312299 | 1990–2017 |
Established 6 November 1920. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: SouthStar Bank's data.
SouthStar Bank's data
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