Citizens National Bank of Texas
Citizens National Bank of Texas received 176 applications in 2025 and made 115 mortgages, in 38 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $345,000. Of 136 decisions, 18 were denials — 13.2%, most often for credit history.
| Legal Entity Identifier | 549300PV2KIL739QYQ35 |
|---|---|
| Applications received | 176 |
| Mortgages made | 115 |
| Denied | 18 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 40 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens National Bank of Texas, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | Not published | $415,000 | 7.4% |
| Refinancing | 13 | Not published | $655,000 | 7.1% |
| Cash-out refinancing | 17 | Not published | $205,000 | 14.3% |
| Other purposes | 24 | Not published | $95,000 | 27.3% |
Where Citizens National Bank of Texas lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ellis County, TX | 40 | Not published | 22.6% |
| Johnson County, TX | 15 | Not published | 0.0% |
| Erath County, TX | 10 | Not published | 16.7% |
| Dallas County, TX | 8 | Under 10 loans | 11.1% |
| Tarrant County, TX | 6 | Under 10 loans | 0.0% |
| Placer County, CA | 5 | Under 10 loans | 0.0% |
| Nevada County, CA | 3 | Under 10 loans | 0.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Washoe County, NV | 2 | Under 10 loans | 0.0% |
| Hill County, TX | 2 | Under 10 loans | 33.3% |
| Hood County, TX | 2 | Under 10 loans | 0.0% |
| Kaufman County, TX | 2 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Lea County, NM | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 0.0% |
| Cleveland County, OK | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 0.0% |
| Bosque County, TX | 1 | Under 10 loans | 0.0% |
| Camp County, TX | 1 | Under 10 loans | 0.0% |
| Coryell County, TX | 1 | Under 10 loans | 0.0% |
| Eastland County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Leon County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 50.0% |
| Tom Green County, TX | 1 | Under 10 loans | 0.0% |
| Van Zandt County, TX | 1 | Under 10 loans | 0.0% |
| Bonner County, ID | 0 | Under 10 loans | Not published |
| Comanche County, TX | 0 | Under 10 loans | Not published |
| Denton County, TX | 0 | Under 10 loans | Not published |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| Franklin County, TX | 0 | Under 10 loans | Not published |
| Gregg County, TX | 0 | Under 10 loans | Not published |
| Henderson County, TX | 0 | Under 10 loans | Not published |
| Palo Pinto County, TX | 0 | Under 10 loans | 100.0% |
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When Citizens National Bank of Texas’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.