Lender in Texas · HMDA 2025
Citibank, N.A. mortgages in Texas
Citibank, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Citibank, N.A. originated 370 owner-occupied single-family loans in Texas from 424 completed applications.
Its median conventional purchase loan costs were $8,450 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.00% (Texas: 6.50%).
Loans in TX
370
of 424 applications
Denial rate
7.4%
Purchase · TX 10.2%
Rate spread
−0.41 pts
Conv. · TX +0.09 pts
Loan amount
$785,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 338 | 302 | 7.4% | 6.000% | −0.41 pts | $8,450 | $785,000 |
| Refinance | 48 | 40 | 14.6% | — | −0.30 pts | $5,570 | $545,000 |
| Cash-out refinance | 38 | 28 | 23.7% | 6.875% | +0.13 pts | $5,290 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology