Applications / Mortgage Analytics / Lenders / Texas / Willow Bend Mortgage Company
Plano, TX · Independent non-bank lender · CFPB · 827 loans in 2025
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827
loans originated, 2025
1,388
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Willow Bend Mortgage Company is a Texas home-purchase lender that makes more government-backed loans than most similar lenders and lends far more than its peers in majority-minority neighborhoods.
Home purchases made up 84.6% of its 827 loans. Loans insured by the Federal Housing Administration (FHA) were 29.3%, against 20.5% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That FHA share fell from 41.2% in 2024 as conventional loans rose to 63.1%. It turned down 2.4% of first-lien home-purchase applications, against 3.2% at its peers.
Some 53.4% of its loans went to majority-minority neighborhoods, against 25.0% at its peers, more than nearly nine in ten of them. The share was 70.6% in 2024, so more of its lending went elsewhere in 2025.
Its largest market, Dallas-Fort Worth-Arlington, is crowded: it ranks 82 of 1,026 lenders there. It does better in Corpus Christi, where its share rose from 1.3% to 1.8%, ranking 11 of 389 behind DHI Mortgage Company. It also edged up in Austin, and in 2025 made its first loans in Santa Fe and Sebring.
Its loans fell 7% while similar lenders grew 2% and the whole market 10%. With most of its lending in purchases, it may have gained little from any rise in refinancing. It made 4,806 loans in 2020, nearly six times as many as now.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Willow Bend Mortgage Company took 1,388 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.6% · Refinance 15.4%
Conventional 63.1% · FHA 29.3% · VA 7.3% · USDA (RHS or FSA) 0.4% · of 827 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 | 812 | 98.2% |
| Florida | 6 | 0.7% |
| New Mexico | 4 | 0.5% |
| Arkansas | 2 | 0.2% |
| Colorado | 1 | 0.1% |
| Oklahoma | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 262 |
| McAllen-Edinburg-Mission | 128 |
| Corpus Christi | 126 |
| Austin-Round Rock-San Marcos | 72 |
| Houston-Pasadena-The Woodlands | 49 |
| Fort Worth-Arlington-Grapevine | 45 |
| El Paso | 36 |
| Brownsville-Harlingen | 31 |
| San Antonio-New Braunfels | 5 |
| Waco | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QURAICH2YGJV94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3952128 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7752511480 |
Established 11 January 2011. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Willow Bend Mortgage Company's data.
Willow Bend Mortgage Company's data
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Willow Bend Mortgage Company 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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