Applications / Mortgage Analytics / Lenders / Texas / Texas Regional Bank
Harlingen, TX · State member bank · FRS · $2.9 billion assets · 364 loans in 2025
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364
loans originated, 2025
463
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Regional Bank, based in Harlingen, more than doubled its home lending in 2025 as it took up government-backed loans and made its first loans in Denver and Savannah.
It made 364 loans in 2025, up 166% from 137 the year before. Similar lenders, meaning state member banks making between half and twice as many loans, typically grew 6%, and the whole market 10%. Only about one in fifty peers grew faster. The year reversed a slide from 310 loans in 2020 to 137 in 2024.
The jump came with a change in what it lends. Loans insured by the Federal Housing Administration (FHA) rose from 0.7% of its lending to 14.8%, higher than nine in ten peers, and it began making loans guaranteed by the Department of Veterans Affairs. Purchases were 83.0% of its loans.
Its share of the Brownsville-Harlingen market rose from 0.9% to 2.2%, lifting it to 10 of 286 lenders, behind leaders Rocket Mortgage and United Wholesale Mortgage. In McAllen-Edinburg-Mission its share rose from 0.7% to 0.9%. It now lends in six states.
Its typical loan was $325,000, against $195,000 for peers, and 8.5% of its loans were jumbo (larger than the conforming limit). Almost half its loans, 49.2%, were in majority-minority neighborhoods, higher than nearly all peers. Its share to low- and moderate-income borrowers, 20.5%, was lower than at four in five peers, though up from 7.4%; its larger loans are one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Regional Bank took 463 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.0% · Refinance 12.6% · Other 2.7% · Home improvement 1.6%
Conventional 82.4% · FHA 14.8% · VA 2.2% · USDA (RHS or FSA) 0.5% · of 364 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 | 355 | 97.5% |
| Colorado | 3 | 0.8% |
| Oklahoma | 3 | 0.8% |
| Florida | 1 | 0.3% |
| Georgia | 1 | 0.3% |
| Missouri | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 127 |
| Fort Worth-Arlington-Grapevine | 59 |
| McAllen-Edinburg-Mission | 51 |
| Brownsville-Harlingen | 37 |
| Houston-Pasadena-The Woodlands | 23 |
| Austin-Round Rock-San Marcos | 17 |
| San Antonio-New Braunfels | 6 |
| College Station-Bryan | 1 |
| Corpus Christi | 1 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GKRYTQSJG61D90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 380458 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326906 | 2011–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2380458 | 2014–2017 |
Established 5 March 1987. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Texas Regional Bank's data.
Texas Regional Bank's data
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