Applications / Mortgage Analytics / Lenders / Texas / State Bank of de Kalb
De Kalb, TX · State non-member bank · FDIC · $491 million assets · 145 loans in 2025
State Bank of de Kalb's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
145
loans originated, 2025
177
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Bank of de Kalb is a Texas bank that, unlike most banks its size, makes government-backed loans, and it ranks fourth in its main market, Texarkana.
Loans insured by the Federal Housing Administration (FHA) made up 6.2% of its lending, those guaranteed by the Department of Veterans Affairs (VA) 4.8% and those guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 1.4%. The typical similar lender, among state non-member banks making between half and twice as many loans, made none of any. On each it was higher than more than nine in ten peers.
It ranked 4 of 198 lenders in Texarkana, where it has lent since 1990, with 4.8% of the market, slightly below 5.1% in 2024. Mortgage Financial Services leads. The small slip may reflect its own lower volume or stronger rivals; the data do not say which.
It made 145 loans, 6% fewer than in 2024, while similar lenders grew 9%; its change was lower than at about four in five of them. It made 374 in 2020. The data do not show why.
Majority-minority neighborhoods took 13.1% of its loans, against 4.9% at peers, up from 5.1% in 2020. Its share in low- and moderate-income neighborhoods rose to 16.7% from 9.7% in 2024, close to peers' 17.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. State Bank of de Kalb took 177 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.6% · Refinance 30.3% · Home improvement 6.9% · Other 4.1%
Conventional 87.6% · FHA 6.2% · VA 4.8% · USDA (RHS or FSA) 1.4% · of 145 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 | 115 | 79.3% |
| Arkansas | 28 | 19.3% |
| Missouri | 1 | 0.7% |
| Oklahoma | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Texarkana | 104 |
| Little Rock-North Little Rock-Conway | 4 |
| Hot Springs | 3 |
| Austin-Round Rock-San Marcos | 1 |
| College Station-Bryan | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L6SV1WXLO6BB96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 621357 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315463 | 1990–2017 |
Established 19 February 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: State Bank of de Kalb's data.
State Bank of de Kalb's data
$215
State Bank of de Kalb 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.
Buy State Bank of de Kalb's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]