Applications / Mortgage Analytics / Lenders / Texas / Verabank
Henderson, TX · National bank · OCC · $4.4 billion assets · 473 loans in 2025
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473
loans originated, 2025
672
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Verabank, a purchase lender in East Texas, has lost nearly half its mortgage volume in two years, though it lends in poorer and majority-minority neighborhoods far more than its peers.
It made 473 loans in 2025, down 31% from 689, while similar lenders, national banks making between half and twice as many loans, grew by 7%. Its fall was steeper than at all but about one in twenty of them. In 2023 it made 928. Home purchases make up 75.1% of its lending. The data do not say why its volume fell.
The fall shows in its oldest markets. In Longview, where it has lent since 1990, its share slipped to 2.1% from 3.0%; in Tyler to 1.0% from 2.1%. Its own 31% fall in lending may account for both. College Station went the other way, with its share up to 1.9% from 1.4%, ranking it 13 of 377.
Some 25.0% of its loans are in low- and moderate-income tracts, against 15.5% at similar lenders, a higher share than about nine in ten of them. Majority-minority neighborhoods take 34.5%, against 6.8%. Both shares have risen since 2020, from 14.5% and 16.4%.
It has absorbed five banks since 1998, the last, Union State Bank, in 2018. Their filings count as its own in the market figures. It took the Verabank name in 2019.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Verabank took 672 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.1% · Refinance 14.6% · Home improvement 7.8% · Other 2.5%
Conventional 95.6% · FHA 3.6% · VA 0.8% · of 473 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 | 467 | 98.7% |
| Colorado | 2 | 0.4% |
| California | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
| Virginia | 1 | 0.2% |
| West Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Longview | 112 |
| College Station-Bryan | 55 |
| Tyler | 52 |
| Austin-Round Rock-San Marcos | 47 |
| Killeen-Temple | 11 |
| Houston-Pasadena-The Woodlands | 10 |
| Dallas-Plano-Irving | 4 |
| Fort Worth-Arlington-Grapevine | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Beaumont-Port Arthur | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930087FQP1S845Z665 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 56351 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113443 | 1995–2017 |
Established 28 March 1930. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Verabank's data.
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