Citizens National Bank of Texas in Texas vs the state
12.0%Denial rate-7.43 pts vs state
15.7%Decision denial rate-9.25 pts vs state
63.3%Origination rate+8.45 pts vs state
—Median rate
—Rate spread (pts)
$117kMedian applicant income
95Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 96 | 21.5% | — | #453 |
| 2024 | 146 | 95 | 16.4% | — | #467 |
| 2025 | 150 | 95 | 12.0% | — | #474 |
What Citizens National Bank of Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Citizens National Bank of Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ellis County | 73 | 40 | 12 | 16.4% |
| Johnson County | 18 | 15 | 0 | 0.0% |
| Erath County | 14 | 10 | 2 | 14.3% |
| Dallas County | 9 | 8 | 1 | 11.1% |
| Tarrant County | 7 | 6 | 0 | 0.0% |
| Hill County | 4 | 2 | 1 | 25.0% |
| Parker County | 3 | 1 | 1 | 33.3% |
| Kaufman County | 3 | 2 | 0 | 0.0% |
| Comanche County | 2 | 0 | 0 | 0.0% |
| Hood County | 2 | 2 | 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: 150 applications in 2025, of which 95 were originated and 18 denied.
12.0% of all applications, or 15.7% 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 National Bank of Texas'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