City Bank Mortgage Rates, Fees & Info

Lubbock, TX

LEI: 549300VHBALPLHRR4080

Tax ID: 75-1952906

3.1 stars - Updated: 2/19/24 - out of 5 stars, based on 51 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

City Bank is a smaller bank specializing in Home Purchase loans. City Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Houston, Lubbock, College Station, and El Paso among others. We have data for 107 markets. (Some data included below & more in-depth data is available with an active subscription.)

City Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. City Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.77% 2/19/24
30 Year Conventional Refi 6.64% 2/19/24
30 Year Cash-out Refi 7.00% 2/19/24
30 Year FHA Purchase 7.53% 2/19/24
30 Year FHA Refi 7.38% 2/19/24
30 Year VA Purchase 6.09% 2/19/24
30 Year USDA Purchase 6.96% 2/19/24
15 Year Conventional Purchase 6.34% 2/19/24
15 Year Conventional Refi 6.22% 2/19/24
15 Year Cash-out Refi 6.22% 2/19/24
15 Year FHA Purchase 7.16% 2/19/24
15 Year FHA Refi 5.68% 2/19/24
15 Year VA Purchase 6.05% 2/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

City Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from City Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,607

Origination Dollar Volume (All Markets)

$984,035,000

Awards

City Bank 30 Year Conventional Loans bronze City Bank FHA Loans bronze City Bank FHA Loans bronze City Bank 30 Year Conventional Loans gold
Show all (4) awards

Relative Rate

City Bank's average 30 year fixed mortgage rate was 5.01%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.25%.

Relative Fees (Closing Costs)

City Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,650.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 676 $280,760,000 $415,325 $8,303 4.97%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 153 $193,065,000 $1,261,863 $7,732 5.24%
LUBBOCK, TX (FHA|USDA|VA) 513 $117,855,000 $229,737 $5,775 5.07%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 146 $59,820,000 $409,726 $6,177 5.04%
EL PASO, TX (FHA|USDA|VA) 189 $52,615,000 $278,386 $8,447 4.93%
ABILENE, TX (FHA|USDA|VA) 192 $43,370,000 $225,885 $6,882 5.14%
Outside of Metro Areas 132 $36,360,000 $275,455 $7,476 4.93%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 73 $33,975,000 $465,411 $8,264 4.94%
MIDLAND, TX (FHA|USDA|VA) 41 $21,635,000 $527,683 $8,572 5.27%
Ruidoso, NM (FHA|USDA|VA) 87 $20,885,000 $240,057 $5,889 5.00%
WACO, TX (FHA|USDA|VA) 79 $20,265,000 $256,519 $6,959 4.89%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 57 $12,675,000 $222,368 $7,001 4.85%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $10,460,000 $1,307,500 $9,252 4.41%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 19 $8,695,000 $457,632 $9,062 5.57%
Levelland, TX (FHA|USDA|VA) 45 $6,655,000 $147,889 $5,144 5.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $4,440,000 $740,000 $7,333 4.90%
Mineral Wells, TX (FHA|USDA|VA) 6 $3,340,000 $556,667 $7,361 4.85%
Alamogordo, NM (FHA|USDA|VA) 15 $3,235,000 $215,667 $6,638 4.85%
Granbury, TX (FHA|USDA|VA) 9 $2,675,000 $297,222 $7,919 5.05%
LAS CRUCES, NM (FHA|USDA|VA) 8 $2,500,000 $312,500 $7,324 4.66%
ODESSA, TX (FHA|USDA|VA) 12 $2,490,000 $207,500 $6,402 5.11%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $2,020,000 $505,000 $13,310 4.94%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,865,000 $1,865,000 $20,490 6.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,860,000 $310,000 $7,754 4.31%
SANTA FE, NM (FHA|USDA|VA) 3 $1,645,000 $548,333 $8,356 5.46%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $0 5.50%
Plainview, TX (FHA|USDA|VA) 7 $1,495,000 $213,571 $6,095 5.52%
AMARILLO, TX (FHA|USDA|VA) 4 $1,440,000 $360,000 $8,051 5.53%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $7,493 2.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $1,370,000 $685,000 $22,973 5.00%
TYLER, TX (FHA|USDA|VA) 3 $1,215,000 $405,000 $5,514 4.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,185,000 $395,000 $14,453 5.17%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,053 4.31%
Athens, TX (FHA|USDA|VA) 3 $1,055,000 $351,667 $9,989 4.46%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,219 5.94%
SAN ANGELO, TX (FHA|USDA|VA) 3 $965,000 $321,667 $7,700 4.33%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $780,000 $390,000 $5,496 4.00%
Bonham, TX (FHA|USDA|VA) 2 $780,000 $390,000 $9,193 5.13%
Bay City, TX (FHA|USDA|VA) 2 $740,000 $370,000 $7,256 4.50%
Brownwood, TX (FHA|USDA|VA) 3 $725,000 $241,667 $5,212 5.38%
LONGVIEW, TX (FHA|USDA|VA) 2 $690,000 $345,000 $6,699 4.56%
Breckenridge, CO (FHA|USDA|VA) 1 $625,000 $625,000 $5,509 2.75%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $605,000 $605,000 $5,132 5.75%
Stephenville, TX (FHA|USDA|VA) 3 $595,000 $198,333 $3,801 5.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $560,000 $280,000 $10,883 4.56%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $555,000 $555,000 $4,950 6.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $545,000 $545,000 $7,654 6.13%
Mount Pleasant, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,877 3.88%
LAWTON, OK (FHA|USDA|VA) 2 $530,000 $265,000 $3,698 4.88%
Sweetwater, TX (FHA|USDA|VA) 4 $530,000 $132,500 $4,606 5.00%
COLUMBUS, OH (FHA|USDA|VA) 2 $530,000 $265,000 $9,140 3.63%
Palestine, TX (FHA|USDA|VA) 1 $505,000 $505,000 $5,722 6.00%
Snyder, TX (FHA|USDA|VA) 1 $495,000 $495,000 $8,949 5.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $495,000 $495,000 $4,945 3.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $455,000 $455,000 $9,205 3.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $440,000 $220,000 $7,600 5.38%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $435,000 $435,000 $11,466 5.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $405,000 $135,000 $3,626 5.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $405,000 $405,000 $2,505 3.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $385,000 $385,000 $5,264 4.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $385,000 $385,000 $8,596 3.38%
El Campo, TX (FHA|USDA|VA) 1 $385,000 $385,000 $0 4.25%
Ada, OK (FHA|USDA|VA) 1 $375,000 $375,000 $4,424 3.50%
WICHITA, KS (FHA|USDA|VA) 1 $375,000 $375,000 $3,906 3.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $370,000 $185,000 $6,639 5.44%
GAINESVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $10,786 5.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $350,000 $175,000 $4,255 4.56%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $345,000 $345,000 $4,842 3.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $345,000 $345,000 $8,304 5.75%
Corsicana, TX (FHA|USDA|VA) 2 $330,000 $165,000 $6,629 4.63%
Jacksonville, TX (FHA|USDA|VA) 1 $325,000 $325,000 $7,001 4.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $315,000 $315,000 $6,614 4.25%
VICTORIA, TX (FHA|USDA|VA) 2 $310,000 $155,000 $4,514 5.31%
Huntsville, TX (FHA|USDA|VA) 1 $305,000 $305,000 $6,564 5.85%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $305,000 $305,000 $11,107 6.50%
OCALA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $7,877 5.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $5,993 3.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,000 6.00%
Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $290,000 $145,000 $4,667 4.19%
FARGO, ND-MN (FHA|USDA|VA) 1 $285,000 $285,000 $4,059 4.25%
LAREDO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,572 4.25%
Gainesville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,731 5.50%
MOBILE, AL (FHA|USDA|VA) 2 $240,000 $120,000 $5,203 5.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $7,379 5.63%
Stillwater, OK (FHA|USDA|VA) 1 $235,000 $235,000 $4,199 3.75%
Dumas, TX (FHA|USDA|VA) 1 $235,000 $235,000 $12,188 6.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,710 3.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $235,000 $235,000 $8,686 6.13%
Kerrville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,493 6.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.88%
Port Lavaca, TX (FHA|USDA|VA) 1 $225,000 $225,000 $5,349 6.00%
Pecos, TX (FHA|USDA|VA) 1 $205,000 $205,000 $11,342 4.13%
Hobbs, NM (FHA|USDA|VA) 1 $195,000 $195,000 $8,206 7.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $195,000 $195,000 $7,852 4.25%
JACKSON, MS (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.75%
Nacogdoches, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,742 3.50%
Hastings, NE (FHA|USDA|VA) 1 $175,000 $175,000 $8,221 6.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.38%
Lamesa, TX (FHA|USDA|VA) 1 $165,000 $165,000 $9,975 3.75%
BOISE CITY, ID (FHA|USDA|VA) 1 $145,000 $145,000 $6,610 3.25%
TULSA, OK (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.50%
VALDOSTA, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.88%
Kingsville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.50%
Garden City, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,845 3.88%
Big Spring, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.60%
Defiance, OH (FHA|USDA|VA) 1 $65,000 $65,000 $5,452 6.63%
City Bank's top markets include Dallas, Houston, Lubbock, College Station, and El Paso among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against City Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First American Bank
    Similarity Rank: 145
    PATRIOT MORTGAGE COMPANY
    Similarity Rank: 174
    Citizens Bank of Las Cruces
    Similarity Rank: 182
    NECHES
    Similarity Rank: 184
    EDUCATION FIRST
    Similarity Rank: 184
    EVOLVE
    Similarity Rank: 204
    First Central Credit Union
    Similarity Rank: 255
    MCT Credit Union
    Similarity Rank: 280
    GECU
    Similarity Rank: 310

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,205 $875,655,000 $397,122 $6,702 5.03%
    FHA 249 $58,845,000 $236,325 $9,911 5.04%
    VA 148 $48,520,000 $327,838 $9,853 4.78%
    USDA 5 $1,015,000 $203,000 $7,884 4.60%

    For 2022, City Bank's most frequently originated type of loan was Conventional, with 2,205 originations. Their 2nd most popular type was FHA, with 249 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,058 $830,560,000 $403,576 $7,713 5.09%
    Cash Out Refi 235 $70,375,000 $299,468 $6,752 4.61%
    Refi 199 $65,845,000 $330,879 $6,178 4.40%
    Other 62 $11,690,000 $188,548 $4,410 5.52%
    Home Improvement 53 $5,565,000 $105,000 $2,145 5.79%

    For 2022, City Bank's most frequently cited loan purpose was Home Purchase, with 2,058 originations. The 2nd most popular reason was Cash Out Refi, with 235 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,934 $621,130,000 $321,163 $7,650 5.01%
    15 Year 206 $50,200,000 $243,689 $5,085 4.47%
    20 Year 139 $33,765,000 $242,914 $6,155 5.00%
    1 Year 105 $25,905,000 $246,714 $3,412 5.39%
    Other 98 $78,320,000 $799,184 $2,351 5.68%
    5 Year 83 $150,845,000 $1,817,410 $895 5.41%
    10 Year 21 $5,765,000 $274,524 $5,728 4.92%
    30+ year 19 $15,015,000 $790,263 $15,026 5.45%
    3 Year 2 $3,090,000 $1,545,000 $0 4.25%

    For 2022, City Bank's most frequently cited loan duration was 30 Year, with 1,934 originations. The 2nd most popular length was 15 Year, with 206 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 917 $265,085,000 $289,079
    $2k-3k 334 $99,900,000 $299,102
    $5k+ 314 $158,220,000 $503,885
    $3k-4k 203 $69,045,000 $340,123
    $<1k 160 $30,070,000 $187,938
    $4k-5k 140 $50,090,000 $357,786

    City Bank's average total fees were $7,650, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 917 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 737 $290,875,000 $394,674
    4-5% 700 $297,220,000 $424,600
    3-4% 553 $191,415,000 $346,139
    6-7% 455 $151,565,000 $333,110
    7-8% 81 $21,625,000 $266,975
    2.5-3% 70 $27,980,000 $399,714
    <2.5% 8 $2,820,000 $352,500
    Over 8% 3 $535,000 $178,333

    During 2022, City Bank's average interest rate for loans was 5.01%, while their most frequently originated rate bucket for loans was 5-6%, with 737 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,108 $316,810,000 $285,930 $7,388 4.98%
    $100k-200k 741 $113,095,000 $152,625 $5,445 5.07%
    $400k-600k 327 $158,265,000 $483,991 $9,076 4.81%
    $100,000 or less 204 $13,580,000 $66,569 $2,740 5.54%
    $600k-1MM 164 $115,920,000 $706,829 $9,855 4.82%
    $1MM+ 63 $266,365,000 $4,228,016 $18,171 4.94%

    2022 saw City Bank place emphasis on $200k-400k loans with 1,108 originations, totaling $316,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 604 $177,280,000 $293,510 $7,315 5.03%
    $150k-250k 487 $176,435,000 $362,290 $7,642 5.07%
    $50k-75k 384 $75,690,000 $197,109 $6,372 4.91%
    $75k-100k 367 $89,885,000 $244,918 $7,078 4.98%
    $250k+ 300 $170,840,000 $569,467 $9,755 4.99%
    $50k or less 170 $23,920,000 $140,706 $5,315 4.84%

    City Bank lent most frequently to those with incomes in the $100k-150k range, with 604 originations. The second most popular income band? $150k-250k, with 487 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 386 $124,150,000 $321,632 $6,963 4.82%
    30-36% 365 $113,495,000 $310,945 $6,530 4.98%
    50-60% 135 $37,195,000 $275,519 $9,728 5.00%
    44% 117 $33,655,000 $287,650 $6,649 5.18%
    43% 108 $30,390,000 $281,389 $7,093 5.00%
    <20% 107 $39,485,000 $369,019 $6,952 4.82%
    42% 102 $37,840,000 $370,980 $7,545 5.10%
    45% 95 $26,485,000 $278,789 $7,325 5.09%
    40% 94 $31,040,000 $330,213 $7,943 4.95%
    47% 94 $27,820,000 $295,957 $7,356 4.93%
    41% 93 $29,995,000 $322,527 $8,029 5.25%
    49% 92 $26,520,000 $288,261 $7,449 5.09%
    37% 91 $27,065,000 $297,418 $6,825 4.98%
    46% 81 $21,745,000 $268,457 $6,600 5.18%
    38% 79 $24,375,000 $308,544 $6,929 4.96%
    48% 79 $25,795,000 $326,519 $8,251 4.72%
    39% 78 $23,400,000 $300,000 $7,214 5.18%
    36% 59 $23,235,000 $393,814 $8,511 4.63%
    >60% 11 $5,995,000 $545,000 $9,789 5.33%

    City Bank lent most frequently to those with DTI ratios of 20-30%, with 386 originations. The next most common DTI ratio? 30-36%, with 365 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,960 $607,940,000 $310,173 $7,270 4.96%
    Not applicable 272 $261,930,000 $962,978 $0 5.28%
    Not provided 193 $56,295,000 $291,684 $7,146 5.25%
    Black 65 $22,625,000 $348,077 $9,235 5.14%
    Asian 74 $22,520,000 $304,324 $7,401 4.91%
    American Indian 24 $6,870,000 $286,250 $7,170 5.18%
    Asian Indian 14 $4,900,000 $350,000 $7,296 5.14%
    Native Hawaiian or Islander 2 $480,000 $240,000 $4,811 3.81%
    Vietnamese 2 $370,000 $185,000 $3,742 5.50%
    Other Pacific Islander 1 $105,000 $105,000 $0 4.25%

    Approval Rates

    Total approvals of all applications
    91.82%

    City Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.39%

    City Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,607 $984,035,000 $377,459

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,607 $984,035,000 $377,459

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 119 $20,815,000 $174,916 $4,469 5.03%
    40-60% 284 $257,910,000 $908,134 $6,845 4.83%
    60-80% 890 $312,400,000 $351,011 $7,445 4.96%
    80-100% 1,224 $378,290,000 $309,060 $7,637 5.05%
    Over 100% 30 $10,180,000 $339,333 $15,689 5.04%
    Under 20% 60 $4,440,000 $74,000 $1,526 6.14%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    CITIBANK, N.A. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    CITIBANK, N.A. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    CITIBANK, N.A. Conventional home mortgage Trouble during payment process 1 33.3%