Applications / Mortgage Analytics / Lenders / Texas / Citizens State Bank
Somerville, TX · State non-member bank · FDIC · $1.2 billion assets · 157 loans in 2025
Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
157
loans originated, 2025
222
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank, a Texas lender with many manufactured-home loans, made 157 loans in 2025. That was 18% more than in 2024 and twice the rise at the typical similar lender.
Its loans rose 18%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% across the whole market. The rise followed a fall from 274 loans in 2022 to 172 in 2023 and 133 in 2024.
Manufactured homes made up 14.0% of its loans, against 2.8% at similar lenders, more than at about four in five of them. Jumbo loans (larger than the conforming limit) were 5.3%, against 1.4%. All its loans were conventional, and home purchases were 61.8%. Its typical loan, $165,000, sat near the middle of its peers.
Neighborhoods where most residents belong to minorities took 21.0% of its loans, against 5.1% at similar lenders. Borrowers with low or moderate incomes (LMI) took 17.3%, against 27.9%, and LMI neighborhoods 8.9%, against 17.6%; both are lower than at about four in five peers. The make-up of its main markets, non-metro Texas and College Station-Bryan, may explain this.
In College Station-Bryan it holds 0.8% of the market, up 0.1 points, and ranks 29 of 377 lenders. In non-metro Texas, its largest market, it ranks 89 of 831. It has lent in both since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens State Bank took 222 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.8% · Refinance 21.7% · Home improvement 8.3% · Other 8.3%
Conventional 100.0% · of 157 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 | 157 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| College Station-Bryan | 59 |
| Houston-Pasadena-The Woodlands | 12 |
| Dallas-Plano-Irving | 1 |
| Killeen-Temple | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DLHIZLJ7617Q04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 261360 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316753 | 2004–2017 |
Established 1 June 1925. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank's data.
Citizens State Bank's data
$215
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.
Buy Citizens State 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]