A lender to buyers
Home purchases made up 75.0% of its loans, and the rest were for other purposes and home improvement. Every loan was conventional, with no government backing and no manufactured homes. It first reported in 2023, with 20 loans.
Applications / Mortgage Analytics / Lenders / Texas / Plains Land Bank, FLCA
Plains Land Bank, FLCA
Amarillo, TX · Independent non-bank lender · CFPB · 16 loans in 2025
Plains Land Bank, FLCA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
16
loans originated, 2025
23
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Plains Land Bank, FLCA is a small Texas lender whose loans fell to 16 in 2025, from 28, too few to say much about whom it serves.
A smaller year
Its loans fell 43% in 2025. The typical similar lender, meaning independent non-bank lenders making between half and twice as many loans, grew 10%, as did the whole market. Its fall was steeper than about nine in ten of them. With so few loans, a handful of deals either way moves the count, and a single year says little about its direction.
Rooted in Amarillo
It lends in 10 counties across two states. Amarillo is its largest market, where it ranked 52 of 258 lenders; its share there fell to 0.2% from 0.6%, which may simply reflect its smaller total. It entered non-metro Oklahoma and Sherman-Denison in 2025.
Too few loans to judge
Its 21 similar lenders give a fair yardstick, but 16 loans do not. Whom it lends to, and where, is best judged over several years.
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
16 loans in 2025, against a peak of 28 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Plains Land Bank, FLCA took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
75.0% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 75.0% · Other 18.8% · Home improvement 6.3%
Conventional 100.0% · of 16 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, 3 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Texas | 14 | 87.5% |
| Oklahoma | 1 | 6.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Amarillo | 9 |
| Lubbock | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JP8LGXT0Z0S678 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4005759 | 2023–2023 |
Established 31 March 2000. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Plains Land Bank, FLCA's data.
The data and the software behind these pages
Plains Land Bank, FLCA's data
$215
Plains Land Bank, FLCA 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.
Buy Plains Land Bank, FLCA's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]