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Citizens National Mortgage Corporation
Company History

In 1968, Richard E. Glover purchased what was then Empire Mortgage Corporation and renamed it Citizens National Mortgage (CNMC). The company, which remains family-owned and operated, is based in Fort Worth, Texas.

Citizens National Mortgage Corporation obtained its State of Texas approval on November 15, 1968, also receiving FHA-HUD and VA approval in November of 1968. The following month, December 1968, CNMC received approval from the Federal National Mortgage Association as a loan seller and servicer for FHA & VA loans.

Under Glover's leadership, Citizens National Mortgage Corporation has grown to become one of the most respected names in mortgage banking in the Dallas-Fort Worth area over the last four decades.

Glover, a past president of the Fort Worth Mortgage Brokers, has been recognized as a leader in his field by "Who's Who in the South and Southwest", "Who's Who in Finance and Industry", the seventh edition of "International Who's Who of Intellectuals", the 11th volume of "Men of Achievement", and the fourth edition of "Personalities of America." Additionally, he is a past or present member of the Mortgage Bankers of America, Texas Mortgage Bankers Association, Fort Worth Mortgage Bankers Association, Fort Worth Board of Realtors, Fort Worth Home Builders Association, International Organization of Real Estate Appraisers, and National Association of Certified Real Property Appraisers.

Meanwhile, Citizens National Mortgage Corporation has expanded its activities well beyond FHA and VA loans.

CNMC was approved in March of 1978 by the Federal National Mortgage Association as a seller and servicer for conventional loans.

CNMC has serviced loans for over 50 investors, financial lending institutions and stock brokerage firms. In addition, CNMC acted as agent for Solomon Brothers, Inc. of New York for relocation companies to which they were making loans across the entire states of Texas, Oklahoma and Arkansas. Those companies included AT&T and Southwestern Bell Telephone.

CNMC received its HUD Direct Endorsement approval on September 20, 1984. CNMC has also been approved to and processed HUD Apartment Loans of all types, as well as being approved for and processing HUD Title X Land Development Loans. CNMC is also licensed under the Texas Consumer Credit Commission for regulated loans (second liens and finance company loans).

In short, CNMC has grown over its 41 years to become a one-stop solution for people seeking real estate loans.

The following is a list of investors to which Citizens National Mortgage Corporation has sold loans and/or sold and serviced loans during our 41 years in business:


  • American Security Life Insurance Company - San Antonio, Texas
  • Astoria Federal Savings & Loan Association - Long Island City, New York
  • Barton’s Saving & Loan Association, Newark - New Jersey
  • Bay Ridge Savings & Loan Association - Brooklyn, New York
  • Biscayne Federal Savings & Loan Association - Miami, Florida
  • Capital Savings & Loan Association - Cranford, New Jersey
  • Collective Federal Savings & Loan Association - Egg Harbor, New Jersey
  • Columbus Savings & Loan Association - Columbus, Nebraska
  • Community Federal Savings & Loan Association - St. Louis, Missouri
  • Cross Plains Savings & Loan Association - Stephenville, Texas
  • Dallas Federal Savings & Loan Association - Dallas, Texas
  • Denison Federal Savings & Loan Association - Denison, Texas
  • The Dime Savings Bank of Williamsburgh - Brooklyn, New York
  • Farm & Home Saving & Loan Association - Nevada, Missouri
  • Federal National Mortgage Association - Washington, D. C.
  • First Federal Savings & Loan Association of Big Springs - Big Spring, Texas
  • First Federal Savings & Loan Association of Gary - Gary, Indiana
  • First Saving Association - Midland, Texas
  • First Federal Savings & Loan Association of Stamford - Stamford, Texas
  • First Federal Savings & Loan Association of Titusville - Titusville, Florida
  • First United Life Insurance Company - Brownsville, Texas
  • Gate City Savings & Loan Association - Fargo, North Dakota
  • Glen Ridge Savings & Loan Association - Glen Ridge, New Jersey
  • Government National Mortgage Association - Washington, D. C.
  • Greenbourgh Savings Bank - Dobbs Ferry, New York
  • Hardin County Savings & Loan Association - Silsbee, Texas
  • Home Federal Savings & Loan Association - Chicago, Illinois
  • Monmouth Savings & Loan Association - Red Bank, New Jersey
  • Mutual Federal Savings & Loan Association of Whitman - Whitman, Massachusetts
  • New York Bank For Saving - New York, New York
  • North Texas Federal Savings & Loan Association - Wichita Falls, Texas
  • Odessa Savings & Loan Association - Odessa, Texas
  • Oritani Savings & Loan Association - Hackensack, New Jersey
  • Parker Square Saving & Loan Association - Wichita Falls, Texas
  • Provident Savings Bank, Jersey City - New Jersey
  • Republic - Vanguard Insurance Company - Dallas, Texas
  • Richardson Savings & Loan Association - Richardson, Texas
  • Roosevelt Federal Savings & Loan Association - St. Louis, Missouri
  • Suburbia Federal Saving Bank - Garden City, New York
  • Security Saving & Loan Association - San Jose, California
  • Southern Savings & Loan Association - Brownwood, Texas
  • Tremont Savings & Loan Association - Bronx, New York
  • Washington Federal Savings & Loan Association - Willoughby Hills, Ohio
  • Western United Life Insurance Company
  • Wichita Falls Savings - Wichita Falls, Texas


  • Associates National Mortgage Corporation - Dallas, Texas
  • Banco Popular - Houston, Texas
  • Bank of Services and Trust - Dallas, Texas
  • Bank of Yorba Linda - Tustin, California
  • Capital Mortgage & Investment - Fort Worth, Texas
  • Carl L. Brown & Company - Kansas City, Missouri
  • Commonwealth United Mortgage - Dallas, Texas
  • Countrywide Funding Corporation - Pasadena, California
  • Crest Mortgage Company, Dallas - Texas
  • Davis-Penn Mortgage Corporation - Houston, Texas
  • Empire of America Realty Credit Corporation - Irving, Texas
  • Empire of America Realty Credit Corporation - Houston, Texas
  • Expanded Mortgage - Irving, Texas
  • Federated Mortgage Associates, Inc. - Pembroke Plains, Florida
  • First Bank - Diamond Bar, California
  • First Home Mortgage Corporation - Houston, Texas
  • First National Bank - Fort Worth, Texas
  • First Security Savings Bank - Dallas, Texas
  • Fleet Mortgage Corporation - Milwaukee, Wisconsin
  • Ford Consumer Finance - Dallas, Texas
  • Fort Worth National Bank - Fort Worth, Texas
  • Franklin American Mortgage Company - Dallas, Texas
  • Freemont Investments & Loan - Oakbrook Terrace, Illinois
  • GM Mortgage Company - Dallas, Texas
  • GN Mortgage - Jacksonville, Florida
  • Gulf American Mortgage Bankers, Inc. - Houston, Texas
  • Gulf Coast Investment Corporation - Houston, Texas
  • Inland Mortgage Corporation - Irving, Texas
  • Irwin Mortgage Corporation - Irving, Texas
  • Malone Mortgage Company - Dallas, Texas
  • Meadow brook National Bank - Fort Worth, Texas
  • Mid America Mortgage, Inc. - Dallas, Texas
  • North American Mortgage Company - Irving, Texas
  • Option One Mortgage - Orange, California
  • Realty Mortgage Corporation - Grand Prairie, Texas
  • Solomon Brothers, Inc. - New York, New York
  • Tarrant Bank - Fort Worth, Texas
  • Tarrant Savings - Fort Worth, Texas
  • Texas Residential Mortgage Corporation - Dallas, Texas
  • The Associates Home Equity Operations - Longview, Texas
  • WMC Mortgage Corporation - Woodland Hills, California






Citizens National Mortgage Corporation, 4200 S. Hulen St., Ste. 676, Fort Worth, TX 76109
Phone: (817) 735-1071 • Fax: (817) 294-1936 • Email:

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