Applications / Mortgage Analytics / Lenders / Texas / Community National Bank & Trust of Texas
Corsicana, TX · National bank · OCC · $1.6 billion assets · 129 loans in 2025
Community National Bank & Trust of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
129
loans originated, 2025
146
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community National Bank & Trust of Texas, a home-purchase lender, made 19% fewer loans in 2025 even as similar national banks grew 5%.
It made 129 loans, against 160 in 2024 and 270 in 2021. Similar lenders (national banks making between half and twice as many loans) grew 5%, and its change was lower than at about nine in ten of them. Slower demand in the Texas counties it serves is one possible reason. It merged with CapTex Bank in 2025, and that bank's filings count in its competition figures.
Purchases made up 72.9% of its loans. Loans guaranteed by the Department of Veterans Affairs (VA) were 5.4%, where most peers made none, though on 129 loans that is only a handful. Its typical loan, $245,000, was larger than at about two-thirds of its peers.
Low- and moderate-income (LMI) borrowers took 12.0% of its loans, against 25.0% at peers. Its larger loans and its tilt toward purchases are possible reasons. Yet 20.9% of its loans were in poorer neighborhoods (LMI tracts) and 19.4% in majority-minority areas, against 15.8% and 7.0% at peers.
In Sherman-Denison, TX, where it has lent since 2002, its share fell to 0.5% from 0.7%, for a rank of 41 of 343. That may simply follow its lower volume overall.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 & Trust of Texas took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.9% · Refinance 14.0% · Home improvement 8.5% · Other 4.7%
Conventional 93.8% · VA 5.4% · USDA (RHS or FSA) 0.8% · of 129 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 | 128 | 99.2% |
| Florida | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 22 |
| Dallas-Plano-Irving | 15 |
| Sherman-Denison | 15 |
| Corpus Christi | 1 |
| Tyler | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
| Wichita Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FZGNW8VUSEDB98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 738769 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114898 | 2011–2017 |
Established 1 January 1934. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Community National Bank & Trust of Texas's data.
Community National Bank & Trust of Texas's data
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Community National Bank & Trust of Texas 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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