Applications / Mortgage Analytics / Lenders / Texas / Stellar Bank
Houston, TX · State member bank · FRS · $10.8 billion assets · 281 loans in 2025
Stellar Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
281
loans originated, 2025
641
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Called Allegiance Bank until 2023, this Houston bank makes large home loans and buys two mortgages from other lenders for every three it originates.
Its typical loan was $355,000, against $195,000 at similar lenders, meaning state member banks making between half and twice as many loans; that is higher than about nine in ten. Jumbo loans, larger than the conforming limit, were 23.3% of its lending, against 1.7%. Only 6.7% of its loans went to low- and moderate-income (LMI) borrowers, among the lowest of its peers; a lender of such large loans may simply serve buyers with higher incomes.
Where it lends tells a different story. Of its loans, 24.5% went to LMI neighborhoods, against 16.2% for peers, and 44.5% to majority-minority neighborhoods, against 5.8%, higher than nearly all of them. Its largest markets include Houston and the border metros of McAllen and Brownsville, which may explain much of that.
It bought 186 loans in 2025, up from 159; similar lenders typically bought none. Its own originations rose 10% to 281, a little faster than peers' 7% and level with the whole market.
It has lent in Houston since 1990 and ranked 55 of 929 lenders there, its share edging up to 0.4%. Its shares also rose in Beaumont-Port Arthur and Brownsville-Harlingen. Those shares are measured in dollars, and its dollar volume rose much faster than its loan count, so a few very large loans may account for the gains.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Stellar Bank took 641 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.9% · Other 12.1% · Refinance 10.7% · Home improvement 5.3%
Conventional 100.0% · of 281 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 | 279 | 99.3% |
| Florida | 1 | 0.4% |
| Mississippi | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 209 |
| Beaumont-Port Arthur | 15 |
| Dallas-Plano-Irving | 11 |
| Austin-Round Rock-San Marcos | 5 |
| San Antonio-New Braunfels | 5 |
| College Station-Bryan | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| Killeen-Temple | 2 |
| Brownsville-Harlingen | 1 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y5YUNNHUW2EQ06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 774262 | 2004–2021 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3579589 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112898 | 2002–2017 |
Established 15 October 2007. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Stellar Bank's data.
Stellar Bank's data
$215
Stellar 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.
Buy Stellar Bank'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]