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      <FSAuditedInd>true</FSAuditedInd>
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      <AuditCommitteeInd>false</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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        <CurrentTaxYearMinus3YearsAmt>472580</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>0</CurrentTaxYearMinus2YearsAmt>
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        <CurrentTaxYearAmt>0</CurrentTaxYearAmt>
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      <TaxRevLeviedOrgnztnlBnft170Grp>
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      <GovtFurnSrvcFcltsVl170Grp>
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        <CurrentTaxYearMinus3YearsAmt>472580</CurrentTaxYearMinus3YearsAmt>
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        <CurrentTaxYearAmt>0</CurrentTaxYearAmt>
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      <GrossInvestmentIncome170Grp>
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        <CurrentTaxYearMinus3YearsAmt>14092</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>8087</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>10573</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>98870</CurrentTaxYearAmt>
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      <UnrelatedBusinessNetIncm170Grp>
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        <OtherCostOrOtherBasisAmt>160904</OtherCostOrOtherBasisAmt>
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        <BookValueAmt>3024714</BookValueAmt>
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      <EquipmentGrp>
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        <DepreciationAmt>196281</DepreciationAmt>
        <BookValueAmt>0</BookValueAmt>
      </EquipmentGrp>
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      <OtherLiabilitiesOrgGrp>
        <Desc>DEPOSITS &amp; ESCROW LIABILITIES</Desc>
        <Amt>25939</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>DUE TO AFFILIATE</Desc>
        <Amt>617778</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>643717</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="IRS990ScheduleJ-01">
      <SeverancePaymentInd>false</SeverancePaymentInd>
      <SupplementalNonqualRtrPlanInd>false</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
      <CompBasedOnRevenueOfFlngOrgInd>false</CompBasedOnRevenueOfFlngOrgInd>
      <CompBsdOnRevRelatedOrgsInd>false</CompBsdOnRevRelatedOrgsInd>
      <CompBsdNetEarnsFlngOrgInd>false</CompBsdNetEarnsFlngOrgInd>
      <CompBsdNetEarnsRltdOrgsInd>false</CompBsdNetEarnsRltdOrgsInd>
      <AnyNonFixedPaymentsInd>false</AnyNonFixedPaymentsInd>
      <InitialContractExceptionInd>false</InitialContractExceptionInd>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>RAQUEL VALDEZ SANCHEZ</PersonNm>
        <BaseCompensationFilingOrgAmt>0</BaseCompensationFilingOrgAmt>
        <CompensationBasedOnRltdOrgsAmt>178333</CompensationBasedOnRltdOrgsAmt>
        <BonusFilingOrganizationAmount>0</BonusFilingOrganizationAmount>
        <BonusRelatedOrganizationsAmt>0</BonusRelatedOrganizationsAmt>
        <OtherCompensationFilingOrgAmt>0</OtherCompensationFilingOrgAmt>
        <OtherCompensationRltdOrgsAmt>0</OtherCompensationRltdOrgsAmt>
        <DeferredCompensationFlngOrgAmt>0</DeferredCompensationFlngOrgAmt>
        <DeferredCompRltdOrgsAmt>0</DeferredCompRltdOrgsAmt>
        <NontaxableBenefitsFilingOrgAmt>0</NontaxableBenefitsFilingOrgAmt>
        <NontaxableBenefitsRltdOrgsAmt>10579</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationFilingOrgAmt>0</TotalCompensationFilingOrgAmt>
        <TotalCompensationRltdOrgsAmt>188912</TotalCompensationRltdOrgsAmt>
        <CompReportPrior990FilingOrgAmt>0</CompReportPrior990FilingOrgAmt>
        <CompReportPrior990RltdOrgsAmt>0</CompReportPrior990RltdOrgsAmt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt I Line 3</FormAndLineReferenceDesc>
        <ExplanationTxt>EXECUTIVE DIRECTOR COMPENSATION PAID BY BUSINESS AND</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt I Line 3</FormAndLineReferenceDesc>
        <ExplanationTxt>COMMUNITY LENDERS OF TEXAS WAS DETERMINED BY REVIEWING</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt I Line 3</FormAndLineReferenceDesc>
        <ExplanationTxt>COMPENSATION SURVEYS AND FORMS 990 OF SIMILAR ORGANIZATIONS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt I Line 3</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CEO IS EMPLOYED UNDER AN EMPLOYMENT CONTRACT AND</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt I Line 3</FormAndLineReferenceDesc>
        <ExplanationTxt>COMPENSATION IS APPROVED BY THE BOARD.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="IRS990ScheduleO-01" softwareId="24020153">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE RETURN IS REVIEWED FOR ACCURACY BY THE CEO.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERS OF THE BOARD ARE PROVIDED A COPY OF</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE FORM 990 TO REVIEW PRIOR TO FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CONFLICT OF INTEREST POLICY APPLIES TO ALL OFFICERS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>AND MEMBERS OF THE BOARD OF DIRECTORS AS WELL AS KEY</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>MANAGEMENT EMPLOYEES. WHEN A CONFLICT OF INTEREST ARISES</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>IT IS BROUGHT TO THE ATTENTION OF THE CEO WHO BRINGS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>IT TO THE ATTENTION OF THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD PRESIDENT IN CONSULTATION WITH APPROPRIATE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>BOARD MEMBERS AND KEY MANAGEMENT WILL DETERMINE IF A</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>CONFLICT EXISTS AND DETERMINE APPROPRIATE ACTIONS ON A</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>CASE-BY-CASE BASIS FOR AN INDIVIDUAL WITH A CONFLICT OF</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>INTEREST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CEOS COMPENSATION IS REVIEWED AND APPROVED BY</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>OTHER OFFICERS AND KEY EMPLOYEES COMPENSATION</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>FOLLOWS A PAY SCALE. PAY RAISES AND STARTING PAY</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>FOR OTHER OFFICERS AND KEY EMPLOYEES ARE APPROVED</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>BY THE CEO.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST FROM</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>MANAGEMENT.</ExplanationTxt>
      </SupplementalInformationDetail>
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          <AddressLine1Txt>1011 SAN JACINTO 500</AddressLine1Txt>
          <CityNm>AUSTIN</CityNm>
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      <AssetExchangeInd>false</AssetExchangeInd>
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      <PerformOfServicesForOthOrgInd>false</PerformOfServicesForOthOrgInd>
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      <ReimbursementPaidByOtherOrgInd>false</ReimbursementPaidByOtherOrgInd>
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          <BusinessNameLine1Txt>BUSINESS AND COMMUNITY LENDERS OF TEXAS</BusinessNameLine1Txt>
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        <MethodOfAmountDeterminationTxt>AGREEMENT BETWEEN ORGANIZATIONS</MethodOfAmountDeterminationTxt>
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      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>BUSINESS AND COMMUNITY LENDERS OF TEXAS</BusinessNameLine1Txt>
        </OtherOrganizationName>
        <TransactionTypeTxt>J</TransactionTypeTxt>
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        <MethodOfAmountDeterminationTxt>AGREEMENT BETWEEN ORGANIZATIONS</MethodOfAmountDeterminationTxt>
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      <TransactionsRelatedOrgGrp>
        <OtherOrganizationName>
          <BusinessNameLine1Txt>BUSINESS AND COMMUNITY LENDERS OF TEXAS</BusinessNameLine1Txt>
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        <TransactionTypeTxt>M</TransactionTypeTxt>
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        <MethodOfAmountDeterminationTxt>AGREEMENT BETWEEN ORGANIZATIONS</MethodOfAmountDeterminationTxt>
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</Return>