City Bank
City Bank received 1,759 applications in 2025 and made 1,162 mortgages, in 141 counties across 12 states. The median rate its borrowers got was 6.750% on a median loan of $265,000. Of 1,387 decisions, 218 were denials — 15.7%, most often for credit history.
| Legal Entity Identifier | 549300VHBALPLHRR4080 |
|---|---|
| Applications received | 1,759 |
| Mortgages made | 1,162 |
| Denied | 218 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 372 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.296 points |
| FDIC-insured bank | Yes: City Bank, 36 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 950 | 6.670% | $275,000 | 6.2% |
| Refinancing | 87 | 6.750% | $245,000 | 24.3% |
| Cash-out refinancing | 77 | 6.930% | $195,000 | 51.8% |
| Other purposes | 48 | 7.250% | $105,000 | 47.3% |
Where City Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lubbock County, TX | 240 | 6.750% | 16.6% |
| El Paso County, TX | 137 | 6.250% | 13.3% |
| Tarrant County, TX | 108 | 6.625% | 12.8% |
| Taylor County, TX | 85 | 6.625% | 6.6% |
| Brazos County, TX | 71 | 6.830% | 10.1% |
| Dallas County, TX | 58 | 6.625% | 26.8% |
| Midland County, TX | 43 | 6.750% | 10.4% |
| Harris County, TX | 35 | 7.500% | 0.0% |
| Lincoln County, NM | 34 | 6.970% | 27.7% |
| Hays County, TX | 19 | 6.750% | 0.0% |
| Parker County, TX | 19 | 6.750% | 9.5% |
| Collin County, TX | 18 | 6.960% | 14.3% |
| Travis County, TX | 17 | 6.875% | 0.0% |
| Galveston County, TX | 15 | 6.500% | 16.7% |
| Hockley County, TX | 15 | 6.875% | 20.0% |
| Ector County, TX | 12 | 6.640% | 25.0% |
| Johnson County, TX | 12 | 6.375% | 0.0% |
| Jefferson County, TX | 11 | 6.125% | 15.4% |
| Kaufman County, TX | 11 | 6.880% | 42.9% |
| Terry County, TX | 11 | 6.625% | 8.3% |
| Callahan County, TX | 9 | Under 10 loans | 0.0% |
| Denton County, TX | 9 | Under 10 loans | 35.7% |
| Ellis County, TX | 9 | Under 10 loans | 0.0% |
| Gaines County, TX | 7 | Under 10 loans | 22.2% |
| Hood County, TX | 6 | Under 10 loans | 0.0% |
| Montgomery County, TX | 6 | Under 10 loans | 25.0% |
| Ward County, TX | 6 | Under 10 loans | 14.3% |
| Jones County, TX | 5 | Under 10 loans | 16.7% |
| Williamson County, TX | 5 | Under 10 loans | 0.0% |
| Bexar County, TX | 4 | Under 10 loans | 0.0% |
| Brown County, TX | 4 | Under 10 loans | 0.0% |
| Hale County, TX | 4 | Under 10 loans | 33.3% |
| Lamb County, TX | 4 | Under 10 loans | 20.0% |
| Palo Pinto County, TX | 4 | Under 10 loans | 33.3% |
| Rockwall County, TX | 4 | Under 10 loans | 0.0% |
| Yoakum County, TX | 4 | Under 10 loans | 0.0% |
| Bell County, TX | 3 | Under 10 loans | 25.0% |
| Cochran County, TX | 3 | Under 10 loans | 0.0% |
| Comal County, TX | 3 | Under 10 loans | 25.0% |
| Henderson County, TX | 3 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 3 | Under 10 loans | 0.0% |
| Orange County, TX | 3 | Under 10 loans | 25.0% |
| Wise County, TX | 3 | Under 10 loans | 0.0% |
| Sandoval County, NM | 2 | Under 10 loans | 0.0% |
| Brazoria County, TX | 2 | Under 10 loans | 66.7% |
| Burleson County, TX | 2 | Under 10 loans | 33.3% |
| Hardin County, TX | 2 | Under 10 loans | 33.3% |
| Hunt County, TX | 2 | Under 10 loans | 0.0% |
| Lee County, TX | 2 | Under 10 loans | 0.0% |
| Lynn County, TX | 2 | Under 10 loans | 0.0% |
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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.