Citizens 1st Bank in Texas vs the state
8.2%Denial rate-11.27 pts vs state
10.1%Decision denial rate-14.77 pts vs state
67.4%Origination rate+12.47 pts vs state
—Median rate
—Rate spread (pts)
$124kMedian applicant income
66Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 69 | 12.1% | — | #527 |
| 2024 | 120 | 80 | 8.3% | — | #519 |
| 2025 | 98 | 66 | 8.2% | — | #556 |
What Citizens 1st Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Citizens 1st Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 45 | 30 | 3 | 6.7% |
| Nacogdoches County | 27 | 15 | 3 | 11.1% |
| Cherokee County | 7 | 7 | 0 | 0.0% |
| Harris County | 4 | 3 | 0 | 0.0% |
| Dallas County | 3 | 2 | 1 | 33.3% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Brazos County | 1 | 1 | 0 | 0.0% |
| Walker County | 1 | 0 | 0 | 0.0% |
| Wood County | 1 | 1 | 0 | 0.0% |
| Bexar County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 98 applications in 2025, of which 66 were originated and 8 denied.
8.2% of all applications, or 10.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens 1st Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology