Citizens National Bank of Texas mortgage approval rate & lending review
Citizens National Bank of Texas decided 271 mortgage applications and funded 224 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens National Bank of Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens National Bank of Texas at a glance
Approval is 6.8 points above the 78.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 73 / 79 | 100% | $395K | 73 |
| Home improvement loans | 79% | 33 / 42 | 97% | $85K | 32 |
| Cash-out refinance | 65% | 20 / 31 | 95% | $135K | 19 |
| Investment property purchase | 90% | 71 / 79 | 96% | $165K | 68 |
Citizens National Bank of Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 84% | $165K | 239 | 194 |
| California | 100% | $725K | 20 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citizens National Bank of Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ellis County, TX | Investment property purchase | 89% | 38 | 33 |
| Ellis County, TX | Home improvement loans | 77% | 35 | 26 |
| Ellis County, TX | Cash-out refinance | 64% | 22 | 14 |
The county markets where Citizens National Bank of Texas made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens National Bank of Texas
What is Citizens National Bank of Texas's mortgage approval rate?
Citizens National Bank of Texas approved 85.6% of the 271 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 78.8% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens National Bank of Texas offers?
Borrowers accepted 97% of the loans Citizens National Bank of Texas approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens National Bank of Texas make?
The typical home purchase mortgage loan Citizens National Bank of Texas made was $395K; across all loan types its typical loan ran from $85K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens National Bank of Texas lend?
Citizens National Bank of Texas decided applications in 7 of the states Fat Boy Data covers, most of them in Texas, California and Florida.
Can I apply to Citizens National Bank of Texas directly?
Yes. Citizens National Bank of Texas is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens National Bank of Texas's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citizens National Bank of Texas treats applications, then get a rate quote from the lender.