Applications / Mortgage Analytics / Lenders / Texas / Citizens National Bank
Cameron, TX · National bank · OCC · $660 million assets · 28 loans in 2025
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28
loans originated, 2025
41
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens National Bank, a Texas national bank with $660 million in assets, makes few home loans: 28 in 2025, fewer than most similar banks.
Its loans fell 18%, from 34 to 28. Similar lenders, national banks making between half and twice as many loans, fell 10%, while the whole market grew 10%. It made 68 loans in 2019, 48 in 2022 and 25 in 2023. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending.
Its largest market lies outside the metro areas of Texas, where it ranked 309 of 831 lenders; Rocket Mortgage and United Wholesale Mortgage lead there. It also lends in Austin-Round Rock-San Marcos and Killeen-Temple, and has done so since its first report in 2002. In Killeen-Temple its share slipped from 0.1% to 0.0%, which may simply follow from its smaller volume.
All 28 loans were conventional, with no government-backed lending. Purchases made up 42.9% of them and loans for purposes other than buying, refinancing or improving a home 32.1%.
On 28 loans, its shares of lending to poorer borrowers and neighborhoods, and of larger loans, can swing widely from year to year. They say little about the pattern of its lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Citizens National Bank took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Other 32.1% · Refinance 25.0%
Conventional 100.0% · of 28 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 | 28 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 8 |
| Killeen-Temple | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U1RXPGUIKOLB91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 59352 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15484 | 2002–2017 |
Established 1 July 1900. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Citizens National Bank's data.
Citizens National Bank's data
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