Applications / Mortgage Analytics / Lenders / Texas / TransPecos Banks
Pecos, TX · Savings institution · FDIC · 6 loans in 2025
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6
loans originated, 2025
10
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TransPecos Banks, a savings institution in Pecos, Texas, reported only 6 loans in 2025, after 316 in 2024, its first year of reporting.
It first reported under HMDA, the federal mortgage-disclosure law, in 2024, with 316 loans worth $37.8 million. In 2025 it reported 6, worth $1.8 million, a fall of 98%. Similar lenders, savings institutions making between a quarter and four times as many loans, fell 17%. The figures do not show why; whether its lending shrank or only what it reported changed is an open question.
With 6 loans, its shares of borrower groups, loan sizes and loan types say little, and there is no rate, price or denial figure to compare. Every loan was conventional, as at its peers.
Its 2024 lending is the better guide. That year 53.4% of its loans went to low- and moderate-income borrowers and 43.3% to majority-minority neighborhoods, and its typical loan was $115,000. Peers' figures for 2024 are not given, so these cannot be set against them.
Its 2025 loans were spread over 6 counties across 2 states, mainly Texas, including Houston, Midland and Dallas-Fort Worth, and Akron, Ohio. It holds no measurable share in any of these markets.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TransPecos Banks took 10 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Other 33.3% · Refinance 16.7%
Conventional 100.0% · of 6 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 | 5 | 83.3% |
| Ohio | 1 | 16.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Akron | 1 |
| Dallas-Plano-Irving | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E5EHQD56Y9WV93 | 2024–2025 |
Established date not on record. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: TransPecos Banks's data.
TransPecos Banks's data
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TransPecos Banks 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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