Lender in Texas · HMDA 2025
City Bank mortgages in Texas
City Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
City Bank originated 767 owner-occupied single-family loans in Texas from 896 completed applications.
Its median conventional purchase loan costs were $6,000 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
767
of 896 applications
Denial rate
6.7%
Purchase · TX 10.2%
Rate spread
+0.24 pts
Conv. · TX +0.09 pts
Loan amount
$295,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 743 | 689 | 6.7% | 6.625% | +0.24 pts | $6,000 | $295,000 |
| Refinance | 58 | 38 | 34.5% | 6.500% | +0.13 pts | $5,070 | $355,000 |
| Cash-out refinance | 95 | 40 | 57.9% | 7.125% | +0.55 pts | $6,330 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where City Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Terry County | 1 | 9 | 13.2% |
| Borden County | 2 | 1 | 50.0% |
| Glasscock County | 2 | 1 | 33.3% |
| Hockley County | 3 | 12 | 6.1% |
| Cochran County | 4 | 1 | 20.0% |
| Taylor County | 6 | 79 | 3.3% |
| Callahan County | 7 | 8 | 3.9% |
| Gaines County | 7 | 7 | 2.6% |
| Jones County | 7 | 5 | 3.6% |
| Ward County | 7 | 4 | 4.2% |
| Lubbock County | 8 | 132 | 3.0% |
| Lamb County | 8 | 3 | 3.9% |
| Brazos County | 13 | 39 | 1.6% |
| Knox County | 14 | 1 | 4.8% |
| Crosby County | 18 | 1 | 3.2% |
| Hale County | 19 | 3 | 1.5% |
| Winkler County | 20 | 1 | 2.4% |
| Brown County | 21 | 3 | 0.9% |
| El Paso County | 22 | 106 | 1.1% |
| Haskell County | 23 | 1 | 2.6% |
| Martin County | 23 | 1 | 2.2% |
| Yoakum County | 23 | 1 | 2.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology