Applications / Mortgage Analytics / Lenders / Texas / Citizens 1st Bank, Tyler TX
Tyler, TX · State member bank · FRS · $820 million assets · 68 loans in 2025
Citizens 1st Bank, Tyler TX's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
68
loans originated, 2025
100
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens 1st Bank, Tyler TX is a home-purchase lender that has lent in Tyler since at least 1990, and a quarter of its loans are in majority-minority neighborhoods, far more than at similar banks.
Majority-minority neighborhoods took 25.0% of its loans, against 6.8% at similar lenders, state member banks making between half and twice as many loans. That is more than at four in five of them. In 2020 the share was 24.3%, so this is a lasting feature of its lending. Low- and moderate-income (LMI) neighborhoods took 16.4%, near the middle.
It made 68 loans, against 81 in 2024, a fall of 16%, while similar lenders grew 9%; its change was lower than at nearly nine in ten of them. It made 177 loans in 2020 and 154 in 2021. With 66.2% of its loans for home purchases, its volume may track home sales in its markets.
Its typical loan was $155,000, against $175,000 at similar lenders, lower than at about two-thirds of them. All of its loans were conventional.
It ranked 19 of 345 lenders in Tyler, with 1.2% of the market. United Wholesale Mortgage and Altra Federal Credit Union lead there. Its loans reach 3 states and 16 counties, including Dallas-Fort Worth-Arlington, Longview and Houston-Pasadena-The Woodlands.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 1st Bank, Tyler TX took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.2% · Refinance 16.2% · Home improvement 10.3% · Other 7.4%
Conventional 100.0% · of 68 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 | 66 | 97.1% |
| Alabama | 1 | 1.5% |
| Colorado | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tyler | 30 |
| Houston-Pasadena-The Woodlands | 3 |
| Dallas-Plano-Irving | 2 |
| Longview | 2 |
| San Antonio-New Braunfels | 2 |
| Beaumont-Port Arthur | 1 |
| College Station-Bryan | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TSSJ6QLFK4C243 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 869663 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31715 | 1992–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2869663 | 2014–2017 |
Established 24 April 1920. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Citizens 1st Bank, Tyler TX's data.
Citizens 1st Bank, Tyler TX's data
$215
Citizens 1st Bank, Tyler TX 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 1st Bank, Tyler TX'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]