Applications / Mortgage Analytics / Lenders / Texas / The Bank and Trust
Del Rio, TX · State member bank · FRS · $585 million assets · 150 loans in 2025
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150
loans originated, 2025
209
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank and Trust, of Del Rio, Texas, makes nearly half its loans in majority-minority neighborhoods, far more than similar banks.
Of its 150 loans in 2025, 48.7% went to census tracts where most residents belong to minority groups. The typical similar lender, a state bank in the Federal Reserve making between half and twice its number of loans, put 4.9% there. That is higher than nearly all 173 of them. That may reflect the markets it serves; its largest is non-metro Texas.
Only 10.0% of its loans went to low- and moderate-income (LMI) borrowers, against 27.7% at similar lenders, among the lowest tenth. Two features may explain part of this. It is a purchase lender, with home purchases making up 64.7% of its loans, and its typical loan of $205,000 is larger than its peers' $175,000.
It ranked 9 of 191 lenders in San Angelo, with 2.7% of the market; Mortgage Financial Services led. In non-metro Texas, its largest market, it ranked 109 of 831. It began lending in Phoenix in 2025.
Its loans rose 5%, against 8% at similar lenders and 10% in the whole market. Since 2018 it has made between 143 and 188 loans a year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bank and Trust took 209 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 16.7% · Other 10.7% · Home improvement 8.0%
Conventional 100.0% · of 150 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 | 149 | 99.3% |
| Arizona | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Angelo | 55 |
| San Antonio-New Braunfels | 3 |
| Lubbock | 2 |
| Amarillo | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Midland | 1 |
| Odessa | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DNUPSQ3UW3EM09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 623454 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31184 | 2006–2014 |
| Respondent ID (the HMDA filer code before 2018) | 2623454 | 2015–2017 |
Established 1 January 1910. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: The Bank and Trust's data.
The Bank and Trust's data
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The Bank and Trust 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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