Lenders › Central National Bank › Texas
Central National Bank in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Central National Bank's 2024 HMDA record for Texas covers 240 applications, 220 of them originated, worth $78m.
Its denial rate in the state was 5.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 5.2%.
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Central National Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.5% | 26.0% | 5.2% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 11.8% | — | 15.6% |
| Average originated loan | $356k | $350k | $408k | $329k |
| Home purchase share | 71.8% | 72.8% | 73.0% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 2.7% | 10.4% | 2.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 72% (158)Home improvement 13% (29)Refinancing 10% (22)Other purpose 5% (11)
By type
Conventional 97% (214)VA 3% (6)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| McLennan County | 140 | 124 | $31m | 8.0% |
| Bell County | 68 | 64 | $33m | 2.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Central National Bank originate in Texas in 2024?
220 loans totalling $78m, from 240 applications reported for properties in Texas.
What is Central National Bank's denial rate in Texas?
5.5% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 5.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Central National Bank lend in most?
By originations: McLennan County (124), Bell County (64).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.