Applications / Mortgage Analytics / Lenders / Texas / Veritex Community Bank
Dallas, TX · State member bank · FRS · $12.7 billion assets · 163 loans in 2025
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163
loans originated, 2025
213
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Veritex Community Bank, a Dallas bank, makes big mortgages: a third of its loans are jumbo, against almost none at similar banks.
Its typical loan, $505,000, is bigger than at about nineteen in twenty similar lenders, state member banks making between half and twice as many loans, where it is $175,000. Some 32.0% of its loans are jumbo, larger than the conforming limit, against 1.5% at its peers. Purchases make up 73.0% of its lending, and every loan is conventional.
Low- and moderate-income borrowers received 8.0% of its loans, against 27.7% at similar lenders, among the lowest tenth. Its large loans may be one reason, since jumbo borrowers tend to earn more. Majority-minority neighborhoods, by contrast, take 28.2% of its loans, against 4.5%.
It made 163 loans in 2025, down 27% from 223, while similar lenders grew by 8%. In 2021 it made 544; the data do not say why. Its typical rate, 6.12%, is the lowest among similar lenders, whose typical rate is 6.75%. It also bought 82 loans from other lenders, more than almost any of its peers.
It has absorbed six banks since 2011, the last, Green Bank, in 2019; their filings count as its own in the market figures. It ranks 57 of 1,026 lenders in Dallas-Fort Worth and 84 of 929 in Houston, where its share held at 0.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Veritex Community Bank took 213 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.0% · Refinance 13.5% · Other 9.8% · Home improvement 3.7%
Conventional 100.0% · of 163 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 | 151 | 92.6% |
| Arkansas | 2 | 1.2% |
| Florida | 2 | 1.2% |
| Oklahoma | 2 | 1.2% |
| Colorado | 1 | 0.6% |
| Massachusetts | 1 | 0.6% |
| New York | 1 | 0.6% |
| Oregon | 1 | 0.6% |
| Pennsylvania | 1 | 0.6% |
| Tennessee | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 75 |
| Houston-Pasadena-The Woodlands | 38 |
| Fort Worth-Arlington-Grapevine | 20 |
| Sherman-Denison | 3 |
| Austin-Round Rock-San Marcos | 2 |
| Fayetteville-Springdale-Rogers | 2 |
| Oklahoma City | 2 |
| Bend | 1 |
| Boston | 1 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q2EZNO3H86ED06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3221468 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124447 | 2006–2011 |
| Respondent ID (the HMDA filer code before 2018) | 23221468 | 2012–2017 |
Established 23 January 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Veritex Community Bank's data.
Veritex Community Bank's data
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Veritex Community Bank 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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