Applications / Mortgage Analytics / Lenders / Texas / Citizens State Bank
Woodville, TX · State member bank · FRS · $463 million assets · 29 loans in 2025
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29
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank is a small Texas lender whose home loans run large: its typical loan was $365,000 in 2025 and $395,000 in 2024, against $195,000 for similar lenders, though on only 29 loans in 2025.
Its 29 loans are fewer than four in five similar lenders make (state member banks making between half and twice as many loans), yet its $16.1 million is above peers' $13.8 million. A typical loan of $365,000 is nearly double peers' $195,000. 27.6% of loans were jumbo (larger than the conforming limit), against 4.0%; that is only a handful of loans, but it was 25.9% the year before as well. With so few loans, a handful of large ones sets these figures.
It first reported in 2014, made 11 loans in 2018 and 14 in 2019, filed no report for 2020 to 2023, and made 28 in 2024 and 29 in 2025. The missing years are gaps, not years without lending. In 2025 its count rose 4% while the typical peer fell 4% and the whole market rose 10%.
7.4% of loans went to LMI (low- and moderate-income) borrowers, against 23.5% for peers, and 20.7% were in majority-minority areas, against 7.1%. With 29 loans, each loan moves these shares by several points, so they are too small to read much into. Its larger loans could also hold the LMI share down.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Citizens State Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.2% · Refinance 13.8%
Conventional 100.0% · of 29 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 | 28 | 96.6% |
| Colorado | 1 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 11 |
| Austin-Round Rock-San Marcos | 4 |
| College Station-Bryan | 2 |
| Beaumont-Port Arthur | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C1W6Z8G84PDE17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 625065 | 2014–2019 |
| Respondent ID (the HMDA filer code before 2018) | 312303 | 2014–2017 |
Established 8 May 1920. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank's data.
Citizens State Bank's data
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Citizens 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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