Applications / Mortgage Analytics / Lenders / Texas / Citizens National Bank of Texas
Waxahachie, TX · National bank · OCC · $2.1 billion assets · 115 loans in 2025
Citizens National Bank of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
115
loans originated, 2025
176
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens National Bank of Texas makes larger loans than most similar banks and lends in 7 states and 14 metros, far beyond Dallas-Fort Worth-Arlington.
Its typical loan was $345,000, against $185,000 at similar lenders, national banks making between half and twice as many loans. That is larger than at more than four in five of them. Jumbo loans (larger than the conforming limit) were 12.9% of its lending, against 2.6%.
Its loan count rose 12%, from 103 to 115, against 5% at the typical similar lender and 10% in the whole market. It made 438 loans in 2020.
It has lent in Dallas-Fort Worth-Arlington since at least 1990, ranking 266 of 1,026 lenders. In Sacramento-Roseville-Folsom, which it entered in 2020, its share rose from 0.0% to 0.1%. It entered Vallejo and Oklahoma City in 2025.
Majority-minority neighborhoods took 25.2% of its loans, against 7.0% at similar lenders, more than at about three in four. Low- and moderate-income (LMI) neighborhoods took 21.7%, against 15.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank of Texas took 176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.0% · Refinance 26.1% · Home improvement 13.9% · Other 7.0%
Conventional 100.0% · of 115 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 | 95 | 82.6% |
| California | 12 | 10.4% |
| Florida | 2 | 1.7% |
| Nevada | 2 | 1.7% |
| Oklahoma | 2 | 1.7% |
| New Mexico | 1 | 0.9% |
| New York | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 50 |
| Fort Worth-Arlington-Grapevine | 22 |
| Sacramento-Roseville-Folsom | 6 |
| Houston-Pasadena-The Woodlands | 2 |
| Oklahoma City | 2 |
| Reno | 2 |
| Vallejo | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Killeen-Temple | 1 |
| New York-Jersey City-White Plains | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PV2KIL739QYQ35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 552161 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113516 | 1990–2017 |
Established 1 July 1868. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens National Bank of Texas's data.
Citizens National Bank of Texas's data
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Citizens National Bank 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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