Waco's hometown bank
It has lent in Waco since at least 1990 and held 2.9% of the market there, a little more than a year earlier. SWBC Mortgage leads. In Killeen-Temple its share slipped to 1.0% from 1.2%, perhaps because rivals grew faster there.
Applications / Mortgage Analytics / Lenders / Texas / Central National Bank
Central National Bank
Waco, TX · National bank · OCC · $1.5 billion assets · 269 loans in 2025
Central National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
269
loans originated, 2025
301
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central National Bank is one of the biggest lenders in its home town of Waco, ranking 7 of 368, and in 2025 it made more loans for the first time since 2020.
The slide stops
It made 269 loans, up 17%, while similar lenders (national banks making between half and twice as many loans) grew 5%. It had made 444 loans in 2018 and only 230 in 2024, so the rise breaks a run of four falling years.
Poorer places, richer borrowers
Low- and moderate-income (LMI) neighborhoods took 25.8% of its loans, against 16.2% at peers, and majority-minority neighborhoods 24.2%, against 7.5%. Yet LMI borrowers took only 13.0%, lower than nearly nine in ten peers. Its larger loans, a typical $265,000 against $205,000, may be one reason; better-off buyers moving into those neighborhoods may be another.
Bigger loans, fewer refusals
Jumbo loans (larger than the conforming limit) were 7.8% of its lending, against 2.1% at peers. On first-lien home-purchase applications for owner-occupied homes it turned down 3.8%, lower than the 6.3% at similar lenders.
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
269 loans in 2025, against a peak of 444 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central National Bank took 301 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
71.7% of its 2025 loans were purchase loans; 98.9% were conventional loans.
Purchase 71.7% · Refinance 15.6% · Home improvement 9.7% · Other 3.0%
Conventional 98.9% · VA 1.1% · of 269 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
7 states, 12 metros, 27 counties
| State | Loans | Share |
|---|---|---|
| Texas | 262 | 97.4% |
| Colorado | 2 | 0.7% |
| Arkansas | 1 | 0.4% |
| Florida | 1 | 0.4% |
| Illinois | 1 | 0.4% |
| Mississippi | 1 | 0.4% |
| Oklahoma | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Waco | 144 |
| Killeen-Temple | 84 |
| Austin-Round Rock-San Marcos | 15 |
| Dallas-Plano-Irving | 4 |
| Fort Worth-Arlington-Grapevine | 3 |
| College Station-Bryan | 1 |
| Corpus Christi | 1 |
| Elgin | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Lubbock | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QJOGSPJ8EAX798 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 428060 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116626 | 1990–2017 |
Established 10 January 1977. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Central National Bank's data.
The data and the software behind these pages
Central National Bank's data
$215
Central National 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.
Buy Central National Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]