Applications / Mortgage Analytics / Lenders / Texas / Texas State Bank
San Angelo, TX · State non-member bank · FDIC · $430 million assets · 64 loans in 2025
Texas State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
64
loans originated, 2025
68
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas State Bank ranks 11th of 191 lenders in San Angelo, where it has lent since at least 1990.
Its share of San Angelo lending was 2.4%, down from 2.8%. Its total dollar lending held at $17.0 million as it made more loans, so the slip may reflect rivals growing rather than the bank shrinking. Mortgage Financial Services and American Pacific Mortgage lead the market.
It made 64 loans, up 16%. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%; it grew faster than about three in five of them. It filed no reports from 2020 to 2022, a gap in the record, not years without lending. It made 72 loans in 2018.
Its typical loan, $230,000, was larger than at nearly three in four similar banks, whose typical loan was $170,000. Borrowers with low or moderate incomes took 6.0% of its loans, against 27.3%, among the lowest tenth. Larger purchase loans, 64.1% of its lending, may draw higher-income borrowers. Majority-minority neighborhoods took 23.4%, against 6.8%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Texas State Bank took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.1% · Refinance 21.9% · Home improvement 9.4% · Other 4.7%
Conventional 100.0% · of 64 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 | 64 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Angelo | 51 |
| Lubbock | 2 |
| College Station-Bryan | 1 |
| Dallas-Plano-Irving | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JF52QHLC8BF081 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 748964 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318698 | 1990–2017 |
Established 16 February 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Texas State Bank's data.
Texas State Bank's data
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Texas State 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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