Applications / Mortgage Analytics / Lenders / Texas / Yoakum National Bank
Yoakum, TX · State non-member bank · FDIC · $384 million assets · 21 loans in 2025
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21
loans originated, 2025
33
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Yoakum National Bank is a very small home lender in Texas, with 21 loans in 2025 spread across 13 counties, and it has filed HMDA reports only since 2023.
The bank first reported in 2023, with 29 loans, and made 23 in 2024 and 21 in 2025. Similar lenders (state non-member banks making between half and twice as many loans) made 30 in the middle of the group, so it sits in their lower reaches. Its loans fell 9%, a little less than theirs, which fell 12%, while the whole market grew 10%.
Purchase loans made up 71.4% of its lending and refinances 23.8%. Every loan was conventional, with no government-backed lending. On 21 loans, shares of borrower income, neighborhood or loan size are too small to read much into, so they are left to the tables.
Its loans reach five metros in one state, and in none does it hold a meaningful share. It ranks 459 of 669 lenders around San Antonio and 822 of 929 around Houston, both markets it entered in 2023; it entered Odessa in 2025. Wherever a market share is given, it rounds to 0.0%.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Yoakum National Bank took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 23.8% · Home improvement 4.8%
Conventional 100.0% · of 21 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Midland | 2 |
| San Antonio-New Braunfels | 2 |
| Houston-Pasadena-The Woodlands | 1 |
| Odessa | 1 |
| Victoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GS7VFHDE55TH92 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 311265 | 2023–2023 |
Established 1 January 1890. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Yoakum National Bank's data.
Yoakum National Bank's data
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Yoakum National 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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