Applications / Mortgage Analytics / Lenders / Texas / Central National Bank / Competition
Central National Bank
Waco, TX · National bank · OCC · $1.5 billion assets · 269 loans in 2025
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269
loans originated, 2025
301
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Who Central National Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — WACO, TX, 2025
Central National Bank ranks 7th of 368 lenders in Waco, TX, with $42.4M lent: 2.9% of a $1.47B market.
Waco, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — KILLEEN-TEMPLE, TX, 2025
Central National Bank ranks 23rd of 394 lenders in Killeen-Temple, TX, with $31.4M lent: 1.0% of a $3.21B market.
Killeen-Temple, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — AUSTIN-ROUND ROCK-SAN MARCOS, TX, 2025
Central National Bank ranks 267th of 753 lenders in Austin-Round Rock-San Marcos, TX, with $8.5M lent: 0.0% of a $22.41B market.
Austin-Round Rock-San Marcos, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
Central National Bank ranks 564th of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $3.8M lent: 0.0% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO COLORADO, 2025
Central National Bank ranks 275th of 626 lenders in non-metro Colorado, with $2.6M lent: 0.0% of a $9.24B market.
non-metro Colorado is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
Central National Bank ranks 656th of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $905K lent: 0.0% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — FAYETTEVILLE-SPRINGDALE-ROGERS, AR, 2025
Central National Bank ranks 321st of 465 lenders in Fayetteville-Springdale-Rogers, AR, with $585K lent: 0.0% of a $5.77B market.
Fayetteville-Springdale-Rogers, AR is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO MISSISSIPPI, 2025
Central National Bank ranks 339th of 438 lenders in non-metro Mississippi, with $325K lent: 0.0% of a $3.95B market.
non-metro Mississippi is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Central National Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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.
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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.
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