Applications / Mortgage Analytics / Lenders / Texas / Ciera Bank
Graham, TX · State member bank · FRS · $975 million assets · 40 loans in 2025
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40
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ciera Bank makes more jumbo loans than similar banks, and its loan count rose 25% in 2025 even as its dollar volume fell.
It made 40 loans, against 32 in 2024, a rise of 25%. Similar lenders, state member banks making between half and twice as many loans, grew 4%, and the whole market 10%. Yet its dollar total fell, from $27.0 million to $16.8 million, as its typical loan shrank from $305,000 to $240,000. It made 74 loans in 2020.
Jumbo loans (larger than the conforming limit) made up 14.3% of its lending, against 3.1% at similar lenders, more than at four in five of them. That was down from 29.6% in 2024. Its typical loan, $240,000, compares with $185,000 at peers. With 40 loans, a few large ones move these shares a lot.
It ranked 410 of 1,026 lenders in Dallas-Fort Worth-Arlington, where it has lent since 1992 and United Wholesale Mortgage leads. It ranked 149 of 389 in Corpus Christi, which it entered in 2020, and 159 of 209 in Wichita Falls. Home purchases made up 55.0% of its loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ciera Bank took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.0% · Refinance 17.5% · Home improvement 15.0% · Other 12.5%
Conventional 100.0% · of 40 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 | 40 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 9 |
| Fort Worth-Arlington-Grapevine | 9 |
| Corpus Christi | 1 |
| Wichita Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QQT0E10LWS3326 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 327855 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14418 | 2007–2012 |
| Respondent ID (the HMDA filer code before 2018) | 33226 | 2013–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2327855 | 2014–2017 |
Established 10 October 1889. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Ciera Bank's data.
Ciera Bank's data
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