Applications / Mortgage Analytics / Lenders / Texas / Community National Bank
Midland, TX · National bank · OCC · $2.6 billion assets · 221 loans in 2025
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221
loans originated, 2025
289
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community National Bank, a Midland, Texas lender, has built a large book of loans insured by the Federal Housing Administration (FHA), which similar national banks hardly make.
FHA loans made up 28.5% of its 221 loans, up from 11.1% five years earlier, a higher share than at nearly all similar lenders (national banks making between half and twice as many loans). Home purchases were 86.4% of its book. Its home-purchase denial rate, 4.6%, was lower than peers' 6.4%.
Majority-minority neighborhoods took 64.7% of its loans, against 7.0% at similar lenders. Low- and moderate-income (LMI) borrowers took 32.7%, up from 12.0% in 2024 and above the 24.7% at its peers.
Originations fell 11% while similar lenders grew 5%, and its lending fell to $94.3 million from $132.9 million. In Midland, TX, where it has lent since at least 1990, it ranks 15 of 294, with 1.8% of the market against 1.9% a year earlier. In Odessa, TX its share fell to 2.2% from 2.7%. Its lower volume may account for both.
In Santa Fe, NM, which it entered in 2015, its share jumped from 0.0% to 2.0%. That ranks it 13 of 239 lenders there. Which loans drove the rise is an open question.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community National Bank took 289 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.4% · Refinance 9.5% · Other 2.3% · Home improvement 1.8%
Conventional 70.1% · FHA 28.5% · VA 1.4% · of 221 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 | 214 | 96.8% |
| Arizona | 2 | 0.9% |
| Florida | 2 | 0.9% |
| New Mexico | 1 | 0.5% |
| Tennessee | 1 | 0.5% |
| Vermont | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Midland | 84 |
| Odessa | 72 |
| Lubbock | 33 |
| Dallas-Plano-Irving | 6 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Corpus Christi | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Memphis | 1 |
| San Angelo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006TJ2N1MYD0XD45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 293053 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118054 | 1990–2017 |
Established 3 January 1984. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community National Bank's data.
Community National Bank's data
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Community 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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