Applications / Mortgage Analytics / Lenders / Texas / Shelby Savings Bank
Center, TX · Savings institution · FDIC · $454 million assets · 81 loans in 2025
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81
loans originated, 2025
140
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Shelby Savings Bank is a small Texas savings institution that lends on manufactured homes far more than its peers, and in 2025 its lending rose by half after three years of decline.
Manufactured homes made up 22.2% of Shelby Savings Bank's loans in 2025. The typical similar lender, a savings institution making between half and twice as many loans, made none. That share was higher than at nearly all of its 150 peers. It may also help explain why its typical loan, $155,000, was well below peers' $245,000, and why it made no jumbo loans (larger than the conforming limit).
Shelby Savings Bank first reported in 2021, with 160 loans. Its count fell in each of the next three years, to 54 in 2024. In 2025 it rose 50% to 81, faster than about nine in ten similar lenders and well ahead of the whole market's 10%. On so small a base, a few dozen extra loans move the figure a long way.
About a quarter of its loans, 25.9%, went to homes in low- and moderate-income (LMI) neighborhoods. The typical peer's figure was 17.4%, so it placed more of its lending in such tracts than about three in four similar lenders. More than half of its loans were for home purchase, and another quarter were for other purposes.
All of its lending is in Texas, across 17 counties. In Tyler it ranked 99 of 345 lenders, with 0.1% of the market, and in Beaumont-Port Arthur its share held at 0.1%. United Wholesale Mortgage led both markets. It has lent in each since 2021.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Shelby Savings Bank took 140 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.9% · Other 25.9% · Refinance 22.2%
Conventional 100.0% · of 81 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 | 81 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tyler | 5 |
| Beaumont-Port Arthur | 4 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008XU46NWFIFUY72 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 552974 | 2022–2023 |
Established 1 January 1979. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Shelby Savings Bank's data.
Shelby Savings Bank's data
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Shelby Savings 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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