Applications / Mortgage Analytics / Lenders / Texas / Texas Bank and Trust Company
Longview, TX · State non-member bank · FDIC · $4.4 billion assets · 296 loans in 2025
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296
loans originated, 2025
476
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Bank and Trust Company is one of the larger home lenders in Longview and Tyler, ranking eighth in each, and makes bigger purchase loans than similar banks.
It ranked 8th of 306 lenders in Longview, with 2.9% of lending, up from 2.8%. In Tyler it also ranked 8th, but its share fell from 3.2% to 2.1%. Shares here are of dollars lent, and its dollar lending fell faster than its loan count, from $129.3 million to $101.4 million. Fewer large loans could account for some of that, and in a market this size a few big loans move the figure. United Wholesale Mortgage led both markets.
Purchases made up 65.2% of its loans. Its typical loan, $265,000, compared with $175,000 at similar lenders (state non-member banks making between half and twice as many loans). Jumbo loans, larger than the conforming limit, were 8.6% of its lending against 1.4%, a higher share than at about nine in ten of them.
Borrowers with low or moderate incomes (LMI) took 13.8% of its loans, against 28.4% at similar lenders, among the lowest tenth. Its larger loans are one possible reason. Its share in majority-minority neighborhoods, 13.9%, was higher than theirs, 6.2%.
Its loans fell 11% in 2025, to 296, while similar lenders grew 9%. It made 535 loans in 2020, but that year may have been the exception: it made 325 in 2018 and 316 in 2019, close to its count now.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas Bank and Trust Company took 476 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.2% · Refinance 16.9% · Home improvement 12.5% · Other 5.4%
Conventional 100.0% · of 296 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 | 294 | 99.3% |
| Florida | 1 | 0.3% |
| Oklahoma | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Longview | 109 |
| Tyler | 80 |
| Dallas-Plano-Irving | 46 |
| Fort Worth-Arlington-Grapevine | 13 |
| Austin-Round Rock-San Marcos | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| Sherman-Denison | 2 |
| Lubbock | 1 |
| Oklahoma City | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TETFK3GXOHZ594 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 949154 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317842 | 1990–2017 |
Established 4 March 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Texas Bank and Trust Company's data.
Texas Bank and Trust Company's data
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Texas Bank and Trust Company 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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