City Bank Mortgage Rates, Fees & Info

Lubbock, TX

LEI: 549300VHBALPLHRR4080

Tax ID: 75-1952906

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Lubbock, El Paso, College Station, and Austin among others. We have data for 155 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%	11/17/24
30 Year Conventional Refi	6.64%	11/17/24
30 Year Cash-out Refi	7.00%	11/17/24
30 Year FHA Purchase	7.53%	11/17/24
30 Year FHA Refi	7.38%	11/17/24
30 Year VA Purchase	6.09%	11/17/24
30 Year USDA Purchase	6.96%	11/17/24
15 Year Conventional Purchase	6.34%	11/17/24
15 Year Conventional Refi	6.22%	11/17/24
15 Year Cash-out Refi	6.22%	11/17/24
15 Year FHA Purchase	7.16%	11/17/24
15 Year FHA Refi	5.68%	11/17/24
15 Year VA Purchase	6.05%	11/17/24
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

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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

3,275

Origination Dollar Volume (All Markets)

$780,495,000

Employee count

679

Awards

City Bank 30 Year Conventional Loans gold

Show all (9) awards

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)	931	$290,015,000	$311,509	$5,858	4.26%
LUBBOCK, TX (FHA\|USDA\|VA)	604	$110,010,000	$182,136	$4,365	4.84%
EL PASO, TX (FHA\|USDA\|VA)	313	$64,075,000	$204,712	$5,318	4.29%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	240	$51,100,000	$212,917	$4,445	4.47%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	137	$48,645,000	$355,073	$5,154	4.34%
ABILENE, TX (FHA\|USDA\|VA)	237	$44,135,000	$186,224	$4,764	4.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	164	$32,640,000	$199,024	$5,227	5.27%
Outside of Metro Areas	110	$20,560,000	$186,909	$4,611	4.74%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	76	$15,860,000	$208,684	$4,833	4.39%
Ruidoso, NM (FHA\|USDA\|VA)	70	$14,220,000	$203,143	$4,179	4.36%
Levelland, TX (FHA\|USDA\|VA)	53	$8,025,000	$151,415	$4,722	4.61%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	23	$5,395,000	$234,565	$5,221	4.70%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	7	$3,525,000	$503,571	$4,279	4.61%
LAS CRUCES, NM (FHA\|USDA\|VA)	11	$2,795,000	$254,091	$6,359	4.67%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	5	$2,775,000	$555,000	$5,976	4.17%
MIDLAND, TX (FHA\|USDA\|VA)	8	$2,350,000	$293,750	$6,061	4.47%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	13	$2,295,000	$176,538	$2,835	4.23%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	5	$2,215,000	$443,000	$4,152	4.93%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	6	$1,760,000	$293,333	$4,319	4.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	6	$1,740,000	$290,000	$3,864	4.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	2	$1,580,000	$790,000	$7,079	4.56%
Outside of Metro Areas	1	$1,575,000	$1,575,000	$17,921	4.50%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	4	$1,410,000	$352,500	$4,034	4.37%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	6	$1,400,000	$233,333	$4,227	4.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	6	$1,390,000	$231,667	$3,866	4.75%
TYLER, TX (FHA\|USDA\|VA)	6	$1,370,000	$228,333	$7,126	4.23%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	6	$1,270,000	$211,667	$6,216	4.15%
VICTORIA, TX (FHA\|USDA\|VA)	3	$1,245,000	$415,000	$3,381	4.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	5	$1,235,000	$247,000	$4,571	4.28%
Alamogordo, NM (FHA\|USDA\|VA)	9	$1,215,000	$135,000	$3,510	5.25%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	4	$1,170,000	$292,500	$4,813	4.13%
WENATCHEE, WA (FHA\|USDA\|VA)	1	$1,095,000	$1,095,000	$3,870	4.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$1,085,000	$1,085,000	$2,847	5.88%
AMARILLO, TX (FHA\|USDA\|VA)	6	$1,050,000	$175,000	$3,974	4.69%
Athens, TX (FHA\|USDA\|VA)	3	$1,025,000	$341,667	$5,545	5.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	6	$1,000,000	$166,667	$4,042	4.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	4	$970,000	$242,500	$4,442	4.63%
Fredericksburg, TX (FHA\|USDA\|VA)	2	$960,000	$480,000	$6,973	4.38%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	2	$850,000	$425,000	$13,574	4.38%
SANTA FE, NM (FHA\|USDA\|VA)	2	$850,000	$425,000	$2,969	5.00%
Granbury, TX (FHA\|USDA\|VA)	4	$850,000	$212,500	$4,135	3.94%
El Campo, TX (FHA\|USDA\|VA)	3	$835,000	$278,333	$3,289	4.67%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	2	$820,000	$410,000	$6,980	3.94%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	3	$805,000	$268,333	$2,920	5.21%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$715,000	$715,000	$3,906	3.75%
Mineral Wells, TX (FHA\|USDA\|VA)	2	$690,000	$345,000	$5,679	4.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2	$670,000	$335,000	$4,270	3.81%
Port Lavaca, TX (FHA\|USDA\|VA)	3	$655,000	$218,333	$3,810	4.63%
Plainview, TX (FHA\|USDA\|VA)	4	$630,000	$157,500	$6,779	4.47%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	3	$595,000	$198,333	$5,294	4.54%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	5	$575,000	$115,000	$2,853	4.48%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$560,000	$280,000	$4,306	4.69%
Stephenville, TX (FHA\|USDA\|VA)	2	$560,000	$280,000	$7,625	3.69%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	4	$550,000	$137,500	$4,226	5.06%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$540,000	$270,000	$11,200	4.13%
WICHITA, KS (FHA\|USDA\|VA)	3	$505,000	$168,333	$6,744	4.71%
JACKSONVILLE, FL (FHA\|USDA\|VA)	3	$505,000	$168,333	$4,688	4.67%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	1	$485,000	$485,000	$2,933	3.63%
GREELEY, CO (FHA\|USDA\|VA)	1	$455,000	$455,000	$4,167	4.00%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	3	$455,000	$151,667	$5,322	5.17%
TUCSON, AZ (FHA\|USDA\|VA)	2	$450,000	$225,000	$3,762	4.06%
Andrews, TX (FHA\|USDA\|VA)	2	$430,000	$215,000	$5,603	4.88%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$410,000	$205,000	$6,429	4.75%
Kapaa, HI (FHA\|USDA\|VA)	1	$405,000	$405,000	$0	4.88%
Gainesville, TX (FHA\|USDA\|VA)	2	$400,000	$200,000	$4,604	3.94%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	3	$385,000	$128,333	$5,237	4.67%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$375,000	$125,000	$2,715	4.46%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	3	$375,000	$125,000	$0	4.88%
Lamesa, TX (FHA\|USDA\|VA)	4	$370,000	$92,500	$5,776	5.46%
McAlester, OK (FHA\|USDA\|VA)	1	$365,000	$365,000	$2,682	4.00%
TOPEKA, KS (FHA\|USDA\|VA)	2	$360,000	$180,000	$2,450	4.88%
Roseburg, OR (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,625	4.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$345,000	$345,000	$7,313	4.63%
GAINESVILLE, FL (FHA\|USDA\|VA)	2	$340,000	$170,000	$5,673	4.50%
Roswell, NM (FHA\|USDA\|VA)	2	$330,000	$165,000	$4,693	4.00%
ENID, OK (FHA\|USDA\|VA)	1	$325,000	$325,000	$9,381	4.13%
Elizabeth City, NC (FHA\|USDA\|VA)	1	$325,000	$325,000	$7,368	4.38%
ROANOKE, VA (FHA\|USDA\|VA)	2	$320,000	$160,000	$6,597	4.63%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	1	$315,000	$315,000	$1,950	4.88%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	2	$310,000	$155,000	$5,578	4.31%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	2	$300,000	$150,000	$5,161	4.88%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	1	$295,000	$295,000	$9,281	4.38%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	1	$295,000	$295,000	$8,587	4.38%
WACO, TX (FHA\|USDA\|VA)	1	$295,000	$295,000	$4,683	4.38%
CHICO, CA (FHA\|USDA\|VA)	1	$285,000	$285,000	$8,602	3.63%
Minden, LA (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,963	3.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	1	$275,000	$275,000	$8,114	3.38%
TULSA, OK (FHA\|USDA\|VA)	2	$270,000	$135,000	$3,890	4.25%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	2	$270,000	$135,000	$7,876	4.88%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,604	4.38%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$255,000	$255,000	$5,910	3.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	3	$255,000	$85,000	$2,227	5.08%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,885	3.63%
Corsicana, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$4,071	3.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	2	$250,000	$125,000	$3,359	4.69%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	1	$245,000	$245,000	$8,213	3.50%
Las Vegas, NM (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,993	5.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	5.00%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	1	$235,000	$235,000	$5,895	4.38%
Centralia, WA (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,083	5.13%
Brenham, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,948	4.50%
Brownwood, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$5,460	5.75%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,170	4.38%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$9,044	4.63%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$215,000	$215,000	$9,213	4.50%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,700	4.00%
SPRINGFIELD, IL (FHA\|USDA\|VA)	2	$210,000	$105,000	$2,433	5.00%
Cedar City, UT (FHA\|USDA\|VA)	1	$205,000	$205,000	$6,082	3.63%
Nacogdoches, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$3,725	4.63%
LAWRENCE, KS (FHA\|USDA\|VA)	2	$190,000	$95,000	$3,268	4.88%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,141	4.38%
Huntsville, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,561	4.13%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$185,000	$185,000	$7,716	5.13%
FLINT, MI (FHA\|USDA\|VA)	2	$180,000	$90,000	$2,578	5.13%
SAN ANGELO, TX (FHA\|USDA\|VA)	2	$170,000	$85,000	$5,714	5.44%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,565	3.63%
GRAND ISLAND, NE (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,002	4.13%
Paris, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,960	4.13%
Deming, NM (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,886	3.63%
TWIN FALLS, ID (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,338	5.38%
Moultrie, GA (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,079	3.50%
Rexburg, ID (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,019	4.38%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$758	4.63%
Warrensburg, MO (FHA\|USDA\|VA)	1	$155,000	$155,000	$840	3.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,207	4.63%
Dodge City, KS (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,870	4.50%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,789	3.88%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	5.25%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,847	4.88%
JACKSON, MS (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.25%
NILES, MI (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,558	4.75%
Torrington, CT (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,331	4.50%
ODESSA, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,441	4.25%
Martinsville, VA (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,924	4.63%
Snyder, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,345	4.88%
WICHITA FALLS, TX (FHA\|USDA\|VA)	2	$120,000	$60,000	$3,379	5.06%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$115,000	$115,000	$1,581	4.00%
Hannibal, MO (FHA\|USDA\|VA)	1	$115,000	$115,000	$5,343	5.88%
Silver City, NM (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,095	3.88%
OCALA, FL (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,507	4.75%
Oxford, MS (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,307	5.75%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,597	5.00%
LaGrange, GA-AL (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	4.38%
Clovis, NM (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	5.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,347	5.50%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,166	5.63%
Oil City, PA (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,441	4.25%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	4.50%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	5.25%
DuBois, PA (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,740	4.50%
PEORIA, IL (FHA\|USDA\|VA)	1	$55,000	$55,000	$3,522	4.63%
Big Spring, TX (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$55,000	$55,000	$3,780	4.25%
Lewistown, PA (FHA\|USDA\|VA)	1	$45,000	$45,000	$3,636	5.13%
Borger, TX (FHA\|USDA\|VA)	1	$45,000	$45,000	$1,661	6.75%

City Bank's top markets include Dallas, Lubbock, El Paso, College Station, and Austin among others.

Their top states include:

Texas (FHA|USDA|VA)

New Mexico (FHA|USDA|VA)

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Washington (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,615	$651,705,000	$249,218	$4,624	4.58%
FHA	400	$72,330,000	$180,825	$7,063	4.25%
VA	249	$55,085,000	$221,225	$5,759	3.94%
USDA	11	$1,375,000	$125,000	$4,973	4.44%

For 2019, City Bank's most frequently originated type of loan was Conventional, with 2,615 originations. Their 2nd most popular type was FHA, with 400 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,608	$610,490,000	$234,084	$5,282	4.48%
Refi	323	$99,975,000	$309,520	$4,364	4.20%
Cash Out Refi	255	$59,605,000	$233,745	$4,736	4.64%
Other	48	$7,100,000	$147,917	$3,752	4.90%
Home Improvement	41	$3,325,000	$81,098	$1,748	6.47%

For 2019, City Bank's most frequently cited loan purpose was Home Purchase, with 2,608 originations. The 2nd most popular reason was Refi, with 323 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,516	$606,500,000	$241,057	$5,315	4.29%
15 Year	282	$52,730,000	$186,986	$3,885	4.44%
20 Year	156	$29,720,000	$190,513	$4,327	5.07%
1 Year	120	$19,800,000	$165,000	$1,920	6.02%
5 Year	75	$20,415,000	$272,200	$1,034	5.98%
Other	69	$30,845,000	$447,029	$2,079	6.05%
10 Year	31	$4,205,000	$135,645	$2,879	5.08%
30+ year	26	$16,280,000	$626,154	$8,642	5.19%

For 2019, City Bank's most frequently cited loan duration was 30 Year, with 2,516 originations. The 2nd most popular length was 15 Year, with 282 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,640	$390,530,000	$238,128
$<1k	659	$118,685,000	$180,099
$2k-3k	215	$58,815,000	$273,558
$3k-4k	91	$31,555,000	$346,758
$5k+	70	$44,850,000	$640,714
$4k-5k	47	$21,435,000	$456,064

City Bank's average total fees were $5,315, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,640 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	1,332	$320,570,000	$240,668
3-4%	1,246	$327,900,000	$263,162
5-6%	512	$109,090,000	$213,066
6-7%	152	$17,800,000	$117,105
7-8%	21	$2,545,000	$121,190
2.5-3%	10	$2,370,000	$237,000
Over 8%	2	$220,000	$110,000

During 2019, City Bank's average interest rate for loans was 4.29%, while their most frequently originated rate bucket for loans was 4-5%, with 1,332 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,261	$190,405,000	$150,995	$4,468	4.51%
$200k-400k	1,196	$326,840,000	$273,278	$5,517	4.19%
$100,000 or less	471	$33,145,000	$70,372	$2,951	5.33%
$400k-600k	252	$117,240,000	$465,238	$6,445	4.21%
$600k-1MM	62	$45,630,000	$735,968	$9,318	4.58%
$1MM+	33	$67,235,000	$2,037,424	$13,969	4.84%

2019 saw City Bank place emphasis on $100k-200k loans with 1,261 originations, totaling $190,405,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	661	$160,465,000	$242,761	$5,225	4.34%
$50k-75k	632	$110,380,000	$174,652	$4,816	4.35%
$75k-100k	532	$109,430,000	$205,695	$5,028	4.34%
$150k-250k	487	$148,175,000	$304,261	$5,488	4.41%
$50k or less	443	$55,275,000	$124,774	$4,341	4.54%
$250k+	273	$118,285,000	$433,278	$6,253	4.50%

City Bank lent most frequently to those with incomes in the $100k-150k range, with 661 originations. The second most popular income band? $50k-75k, with 632 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	551	$134,165,000	$243,494	$4,661	4.31%
30-36%	537	$131,505,000	$244,888	$5,011	4.32%
<20%	211	$49,845,000	$236,232	$4,551	4.30%
44%	150	$33,950,000	$226,333	$5,369	4.37%
50-60%	148	$30,930,000	$208,986	$6,513	4.10%
42%	124	$37,120,000	$299,355	$5,949	4.36%
41%	116	$26,750,000	$230,603	$5,402	4.38%
39%	115	$25,165,000	$218,826	$4,880	4.38%
43%	115	$25,015,000	$217,522	$5,062	4.44%
40%	112	$26,920,000	$240,357	$5,319	4.37%
49%	108	$22,600,000	$209,259	$5,159	4.32%
36%	99	$23,275,000	$235,101	$5,078	4.38%
47%	99	$22,105,000	$223,283	$5,244	4.48%
38%	98	$23,210,000	$236,837	$4,619	4.38%
46%	97	$22,805,000	$235,103	$5,203	4.42%
48%	95	$20,615,000	$217,000	$5,250	4.26%
37%	94	$22,690,000	$241,383	$4,655	4.29%
45%	88	$19,640,000	$223,182	$5,018	4.39%
>60%	6	$1,450,000	$241,667	$7,021	3.85%

City Bank lent most frequently to those with DTI ratios of 20-30%, with 551 originations. The next most common DTI ratio? 30-36%, with 537 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,599	$599,715,000	$230,748	$5,061	4.40%
Not applicable	209	$69,835,000	$334,139	$0	5.96%
Not provided	180	$45,730,000	$254,056	$5,197	4.50%
Black	147	$33,545,000	$228,197	$5,295	4.15%
Asian	100	$22,990,000	$229,900	$5,244	4.30%
Asian Indian	14	$4,280,000	$305,714	$5,783	4.77%
American Indian	14	$1,690,000	$120,714	$3,542	4.71%
Native Hawaiian or Islander	5	$1,125,000	$225,000	$6,788	4.40%
Chinese	2	$430,000	$215,000	$4,437	4.06%
Other Asian	1	$315,000	$315,000	$6,692	4.50%
Vietnamese	2	$310,000	$155,000	$6,061	5.06%
Native Hawaiian	1	$295,000	$295,000	$10,071	5.63%
Filipino	1	$235,000	$235,000	$7,744	4.13%

Approval Rates

Total approvals of all applications
91.00%

City Bank has an average approval rate.

Pick Rate

Approvals leading to origination
69.53%

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	3,275	$780,495,000	$238,319

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	2	$1,570,000	$785,000
Multifamily:Site-Built	22	$37,840,000	$1,720,000
Single Family (1-4 Units):Manufactured	22	$2,640,000	$120,000
Single Family (1-4 Units):Site-Built	3,229	$738,445,000	$228,692

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	100	$14,630,000	$146,300	$3,104	4.90%
40-60%	307	$70,345,000	$229,137	$4,248	4.50%
60-80%	978	$258,200,000	$264,008	$4,806	4.63%
80-100%	1,786	$418,000,000	$234,043	$5,398	4.36%
Over 100%	56	$16,240,000	$290,000	$9,133	4.01%
Under 20%	48	$3,080,000	$64,167	$1,201	6.31%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
CATHAY BANK	Conventional home mortgage	Trouble during payment process	1	50.0%
CATHAY BANK	Home equity loan or line of credit (HELOC)	Closing on a mortgage	1	50.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
City Bank	107 West Taylor Street Morton, TX 79346	Full Service B&M	$50,200
City Bank	118 Us Highway 70 Springlake, TX 79082	Full Service B&M	$18,124
City Bank	135 El Paso Rd Ruidoso, NM 88345	Full Service B&M	$564
City Bank	1409 University Drive East College Station, TX 77840	Full Service B&M	$66,067
City Bank	1418 George Dieter El Paso, TX 79936	Full Service B&M	$27,505
City Bank	1850 Sudderth Drive Ruidoso, NM 88345	Full Service B&M	$137,676
City Bank	2525 Mckinnon Street, Suite 100 Dallas, TX 75201	Full Service B&M	$26,027
City Bank	304 West 1st Idalou, TX 79329	Full Service B&M	$42,730
City Bank	3251 50th Street Lubbock, TX 79413	Full Service B&M	$48,630
City Bank	5219 City Bank Parkway Lubbock, TX 79407	Full Service B&M	$1,062,483
City Bank	5506 4th Street Lubbock, TX 79416	Full Service B&M	$66,364
City Bank	600 College Avenue Levelland, TX 79336	Full Service B&M	$149,014
City Bank	611 University Lubbock, TX 79401	Full Service B&M	$55,909
City Bank	6330 Sprint Parkway Overland Park, KS 66211	Full Service B&M	$0
City Bank	6524 82nd Street Lubbock, TX 79424	Full Service B&M	$86,754
City Bank	771 E. Hwy 80 Forney, TX 75126	Full Service Retail	$200,428
City Bank	7800 Preston Road Plano, TX 75024	Full Service B&M	$39,308
City Bank	7901 N. Mesa El Paso, TX 79932	Full Service B&M	$81,748
City Bank	8009 University Ave. Lubbock, TX 79423	Full Service B&M	$57,470
City Bank	8201 Quaker Avenue Lubbock, TX 79424	Full Service B&M	$106,207
City Bank	825 Town And Country Lane Houston, TX 77024	Full Service B&M	$25,697

For 2019, City Bank had 21 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$132,883
Net interest income	$108,078
Total noninterest income	$56,518
Gross Fiduciary activities income	$2,306
Service charges on deposit accounts	$8,130
Trading account gains and fees	$0
Additional Noninterest Income	$46,082
Pre-tax net operating income	$44,247
Securities gains (or losses, -)	$-27
Income before extraordinary items	$35,248
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$35,248
Minority interest net income	$0
Net income	$35,248
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$35,269

City Bank's gross interest income from loans was $132,883,000.
City Bank's net interest income from loans was $108,078,000.
City Bank's fee based income from loans was $8,130,000.
City Bank's net income from loans was $35,248,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$24,805
Provision for credit losses	$2,799
Total noninterest expense	$117,550
Salaries and employee benefits	$73,495
Premises and equipment expense	$13,577
Additional noninterest expense	$30,478
Applicable income taxes	$8,972
Net charge-offs	$1,728
Cash dividends	$10,000

City Bank's interest expense for loans was $24,805,000.
City Bank's payroll and benefits expense were $73,495,000.
City Bank's property, plant and equipment expenses $13,577,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.7%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$2,701,088
Deposits held in domestic offices	$2,701,088
Deposits by Individuals, partnerships, and corporations	$2,430,051
Deposits by U.S. Government	$2
Deposits by States and political subdivisions in the U.S.	$254,936
Deposits by Commercial banks and other depository institutions in U.S.	$16,099
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$738,858
Demand deposits	$496,181
Nontransaction accounts	$1,962,230
Money market deposit accounts (MMDAs)	$1,497,710
Other savings deposits (excluding MMDAs)	$122,910
Total time deposits	$341,610
Total time and savings deposits	$2,204,907
Noninterest-bearing deposits	$795,152
Interest-bearing deposits	$1,905,936
Retail deposits	$2,504,629
IRAs and Keogh plan accounts	$30,902
Brokered deposits	$55,500
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$3,235,138
Cash & Balances due from depository institutions	$158,099
Interest-bearing balances	$101,853
Total securities	$707,650
Federal funds sold & reverse repurchase	$0
Net loans and leases	$2,168,461
Loan and leases loss allowance	$24,197
Trading account assets	$0
Bank premises and fixed assets	$61,873
Other real estate owned	$1,671
Goodwill and other intangibles	$29,443
All other assets	$107,941

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$3,235,138
Total Liabilities	$2,862,846
Total deposits	$2,701,088
Interest-bearing deposits	$1,905,936
Deposits held in domestic offices	$2,701,088
% insured (estimated)	$66
Federal funds purchased and repurchase agreements	$17,165
Trading liabilities	$0
Other borrowed funds	$115,000
Subordinated debt	$0
All other liabilities	$29,593

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$2,168,461
Loan and leases loss allowance	$24,197
Total loans and leases (domestic)	$2,192,658
All real estate loans	$1,404,417
Real estate loans in domestic offices	$1,404,417
Construction and development loans	$282,734
Residential 1-4 family construction	$82,579
Other construction, all land development and other land	$200,155
Loans secured by nonfarm nonresidential properties	$596,497
Nonfarm nonresidential secured by owner-occupied properties	$197,054
Commercial real estate & other non-farm, non-residential	$399,443
Multifamily residential real estate	$50,657
1-4 family residential loans	$412,682
Farmland loans	$61,847
Loans held in foreign offices	$0
Farm loans	$114,445
Commercial and industrial loans	$351,033
To non-U.S. addressees	$0
Loans to individuals	$293,684
Credit card loans	$1,620
Related Plans	$2,196
Consumer Auto Loans	$219,654
Other loans to individuals	$70,214
All other loans & leases	$29,079
Loans to foreign governments and official institutions	$0
Other loans	$11,042
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$2,059
Non 1-4 family restructured loans & leases	$489
Total loans and leases (foreign)	$0

City Bank had $2,168,461,000 of loans outstanding in 2019. $1,404,417,000 of loans were in real estate loans. $282,734,000 of loans were in development loans. $50,657,000 of loans were in multifamily mortgage loans. $412,682,000 of loans were in 1-4 family mortgage loans. $114,445,000 of loans were in farm loans. $1,620,000 of loans were in credit card loans. $219,654,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	485	$125,248	$258,243
Nonfarm, nonresidential loans - <$100k	70	$2,951	$42,157
Nonfarm, nonresidential loans - $100-250k	164	$21,329	$130,055
Nonfarm, nonresidential loans - $250k-1MM	251	$100,968	$402,263
Commercial & Industrial, US addressed loans - <$1MM	1,570	$114,548	$72,961
Commercial & Industrial, US addressed loans - <$100k	1,062	$27,611	$25,999
Commercial & Industrial, US addressed loans - $100-250k	284	$28,543	$100,504
Commercial & Industrial, US addressed loans - $250k-1MM	224	$58,394	$260,688
Farmland loans - <$1MM	107	$12,601	$117,766
Farmland loans - <$100k	41	$1,755	$42,805
Farmland loans - $100-250k	42	$4,383	$104,357
Farmland loans - $250k-1MM	24	$6,463	$269,292
Agriculture operations loans - <$1MM	233	$15,682	$67,305
Agriculture operations loans - <$100k	120	$2,720	$22,667
Agriculture operations loans - $100-250k	60	$4,837	$80,617
Agriculture operations loans - $250k-1MM	53	$8,125	$153,302