Growing by half
It made 128 loans in 2025, 51% more than in 2024, while similar banks (state non-member banks making between half and twice as many loans) grew 9%. That was faster than about nine in ten of them. It made 52 in 2020.
Applications / Mortgage Analytics / Lenders / Texas / Western Bank
Western Bank
Lubbock, TX · State non-member bank · FDIC · $845 million assets · 128 loans in 2025
Western Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
128
loans originated, 2025
175
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Western Bank, of Lubbock, Texas, grew its lending by half in 2025 and makes far more of its loans in majority-minority neighborhoods than similar banks do.
Minority neighborhoods
Majority-minority neighborhoods took 25.8% of its loans, against 5.9% at similar banks, more than at about four in five of them. Poorer neighborhoods (low- and moderate-income tracts) took 21.3%, against 17.5%. Both matter to banks examined under the Community Reinvestment Act.
Gaining in Lubbock
Its share of its home market, Lubbock, rose from 0.2% to 0.8%, and it now ranks 27 of 341 there; Texas Tech Federal Credit Union leads. Its share in Abilene rose from 0.1% to 0.4%. In Amarillo, its largest market, it ranks 19 of 258 and Amarillo National Bank leads.
Mostly purchase loans
Purchases made up 67.2% of its lending and refinances 27.3%. Nearly all its loans, 98.4%, were conventional. Its typical loan, $190,000, was a little larger than peers' $175,000.
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
128 loans in 2025, against a peak of 149 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Western Bank took 175 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
67.2% of its 2025 loans were purchase loans; 98.4% were conventional loans.
Purchase 67.2% · Refinance 27.3% · Home improvement 5.5%
Conventional 98.4% · FHA 1.6% · of 128 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
2 states, 5 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Texas | 127 | 99.2% |
| New Mexico | 1 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Amarillo | 47 |
| Lubbock | 42 |
| Abilene | 18 |
| Fort Worth-Arlington-Grapevine | 2 |
| Corpus Christi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000EAQ6YVQD0ZB49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 199463 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31720 | 2006–2017 |
Established 1 January 1909. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Western Bank's data.
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Western 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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