Applications / Mortgage Analytics / Lenders / Texas / TrustTexas Bank
Cuero, TX · Savings institution · FDIC · $368 million assets · 28 loans in 2025
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28
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TrustTexas Bank, a Cuero savings bank that has reported its mortgage lending since 1990, made only 28 loans in 2025, about a quarter of what it made five years earlier.
Its loans fell 12% in 2025, to 28 from 32. Similar lenders, savings institutions making between half and twice as many loans, fell 2%, while the whole market grew 10%. The decline is long-running: the bank made 114 loans in 2020 and fewer in every year since. The figures do not say why.
Half its loans financed home purchases. Most of the others went to home improvement or other purposes, and it made few refinancings. Every loan was conventional, with no government-insured lending. With so few loans, these shares can swing a long way from one year to the next.
In Victoria, Texas, it ranked 37 of 170 lenders, with 0.6% of lending, against 0.7% a year earlier. United Wholesale Mortgage led that market. A change that small may amount to a loan or two. It has lent there since 1990. In Austin, San Antonio and Corpus Christi its share rounds to nothing.
The bank began as Cuero Federal Savings and Loan Association. It became Cuero State Bank, S.S.B. in 1998 and took the TrustTexas Bank name in 2006. It holds $368 million in assets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TrustTexas Bank took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Home improvement 21.4% · Other 21.4% · Refinance 7.1%
Conventional 100.0% · of 28 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 | 28 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Victoria | 8 |
| Austin-Round Rock-San Marcos | 4 |
| San Antonio-New Braunfels | 4 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008EWJQJ6SK2V234 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 539872 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41754 | 1990–1997 |
| Respondent ID (the HMDA filer code before 2018) | 328515 | 1998–2017 |
Established 1 January 1921. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TrustTexas Bank's data.
TrustTexas Bank's data
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