Applications / Mortgage Analytics / Lenders / Texas / Stone Meadow Lending
Houston, TX · Non-bank lender · CFPB · 381 loans in 2025
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381
loans originated, 2025
466
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stone Meadow Lending is a young Texas home-purchase lender that works mainly through government-backed loans, and it lends in poorer neighborhoods far more than similar lenders do.
Every loan Stone Meadow Lending made in 2025 was for a home purchase. Most were insured by the Federal Housing Administration (FHA): 62.5%, against 15.5% at similar lenders, meaning non-bank lenders making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) jumped from 0.3% to 15.2% in a year. Only 22.3% were plain conventional loans, against 74.5% at its peers.
Its share of loans in low- and moderate-income (LMI) tracts, 34.1%, is the highest among its 28 peers and more than twice their 14.9%. More than half its loans, 57.2%, went to majority-minority neighborhoods, against 26.2% for peers. Its share of LMI borrowers, 19.4%, sits near the middle, so it is the neighborhoods rather than the borrowers that set it apart.
Its typical loan, $315,000, is smaller than the peers' $352,500, and none was jumbo (larger than the conforming limit). Its typical rate, 5.75%, was lower than at four in five similar lenders, and none of its loans was higher-priced.
First reported in 2024, it made 381 loans in 2025, up 17% from 327. That is close to its peers' 18% and faster than the market's 10%. Houston is its main market, where its share held at 0.2%; in San Antonio it rose from 0.1% to 0.2%.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stone Meadow Lending took 466 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
FHA 62.5% · Conventional 22.3% · VA 15.2% · of 381 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 | 381 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 279 |
| San Antonio-New Braunfels | 99 |
| Beaumont-Port Arthur | 1 |
| Lubbock | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MWMG5LNBKUMF75 | 2024–2025 |
Established 30 June 2021. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Stone Meadow Lending's data.
Stone Meadow Lending's data
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Stone Meadow Lending 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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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.
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