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 small bank specializing in Home Purchase and Refi 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, Houston, Austin, and College Station among others. We have data for 152 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

5,393

Origination Dollar Volume (All Markets)

$1,695,215,000

Employee count

647

Awards

City Bank 30 Year Conventional Loans bronze

City Bank 30 Year Conventional Loans gold

Show all (4) 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)	1,770	$718,150,000	$405,734	$6,020	3.08%
LUBBOCK, TX (FHA\|USDA\|VA)	908	$203,470,000	$224,086	$4,860	3.40%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	267	$114,525,000	$428,933	$5,711	3.57%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	227	$84,985,000	$374,383	$5,477	3.01%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	313	$81,315,000	$259,792	$4,693	3.13%
EL PASO, TX (FHA\|USDA\|VA)	339	$76,305,000	$225,088	$6,102	3.09%
ABILENE, TX (FHA\|USDA\|VA)	331	$75,425,000	$227,870	$5,587	3.05%
Outside of Metro Areas	195	$52,715,000	$270,333	$5,294	3.18%
WACO, TX (FHA\|USDA\|VA)	155	$40,765,000	$263,000	$5,586	3.30%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	144	$31,380,000	$217,917	$5,209	3.48%
Ruidoso, NM (FHA\|USDA\|VA)	121	$28,575,000	$236,157	$4,775	3.39%
Levelland, TX (FHA\|USDA\|VA)	77	$13,175,000	$171,104	$4,497	3.53%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	42	$12,990,000	$309,286	$6,155	3.27%
AMARILLO, TX (FHA\|USDA\|VA)	19	$11,105,000	$584,474	$5,735	4.03%
MIDLAND, TX (FHA\|USDA\|VA)	37	$10,885,000	$294,189	$6,031	3.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	15	$8,085,000	$539,000	$7,907	3.22%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	12	$6,220,000	$518,333	$7,722	3.08%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	13	$5,445,000	$418,846	$6,249	3.43%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	17	$5,335,000	$313,824	$6,497	3.23%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	17	$5,025,000	$295,588	$7,103	3.29%
ODESSA, TX (FHA\|USDA\|VA)	20	$4,230,000	$211,500	$5,494	3.45%
Alamogordo, NM (FHA\|USDA\|VA)	20	$4,090,000	$204,500	$4,013	3.29%
LAS CRUCES, NM (FHA\|USDA\|VA)	16	$3,690,000	$230,625	$4,942	3.17%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	8	$3,390,000	$423,750	$7,018	3.09%
Athens, TX (FHA\|USDA\|VA)	12	$3,240,000	$270,000	$5,172	3.29%
Granbury, TX (FHA\|USDA\|VA)	11	$3,135,000	$285,000	$5,082	3.31%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	9	$2,945,000	$327,222	$4,687	3.06%
TYLER, TX (FHA\|USDA\|VA)	15	$2,925,000	$195,000	$5,288	3.53%
Stephenville, TX (FHA\|USDA\|VA)	9	$2,635,000	$292,778	$5,944	3.26%
SANTA FE, NM (FHA\|USDA\|VA)	3	$2,625,000	$875,000	$7,613	3.00%
Breckenridge, CO (FHA\|USDA\|VA)	1	$2,505,000	$2,505,000	$0	3.75%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	14	$2,470,000	$176,429	$4,497	3.18%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	6	$2,210,000	$368,333	$4,135	2.75%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	5	$1,995,000	$399,000	$5,244	2.80%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	9	$1,925,000	$213,889	$4,921	2.89%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	4	$1,800,000	$450,000	$7,676	2.88%
Glenwood Springs, CO (FHA\|USDA\|VA)	1	$1,765,000	$1,765,000	$13,696	4.50%
Plainview, TX (FHA\|USDA\|VA)	8	$1,760,000	$220,000	$6,081	3.28%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	3	$1,635,000	$545,000	$5,514	3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$1,605,000	$1,605,000	$8,783	2.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	3	$1,395,000	$465,000	$7,644	2.92%
Corsicana, TX (FHA\|USDA\|VA)	5	$1,355,000	$271,000	$7,797	3.40%
Bonham, TX (FHA\|USDA\|VA)	5	$1,345,000	$269,000	$8,087	3.05%
Gainesville, TX (FHA\|USDA\|VA)	4	$1,270,000	$317,500	$6,607	3.41%
WICHITA FALLS, TX (FHA\|USDA\|VA)	5	$1,265,000	$253,000	$5,832	2.98%
Kerrville, TX (FHA\|USDA\|VA)	5	$1,195,000	$239,000	$7,324	2.78%
Fredericksburg, TX (FHA\|USDA\|VA)	3	$1,165,000	$388,333	$6,267	3.04%
Brenham, TX (FHA\|USDA\|VA)	4	$1,140,000	$285,000	$4,394	2.66%
JACKSONVILLE, FL (FHA\|USDA\|VA)	4	$1,100,000	$275,000	$4,282	3.13%
Taos, NM (FHA\|USDA\|VA)	5	$1,025,000	$205,000	$5,427	3.28%
GREELEY, CO (FHA\|USDA\|VA)	2	$990,000	$495,000	$4,776	2.69%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	3	$975,000	$325,000	$2,545	3.42%
Brownwood, TX (FHA\|USDA\|VA)	4	$950,000	$237,500	$4,722	3.34%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	3	$945,000	$315,000	$4,049	2.88%
TULSA, OK (FHA\|USDA\|VA)	4	$940,000	$235,000	$6,475	3.47%
WENATCHEE, WA (FHA\|USDA\|VA)	1	$925,000	$925,000	$12,006	3.25%
Mineral Wells, TX (FHA\|USDA\|VA)	3	$875,000	$291,667	$6,088	3.08%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$845,000	$845,000	$7,109	2.88%
FORT COLLINS, CO (FHA\|USDA\|VA)	2	$840,000	$420,000	$4,077	3.25%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$795,000	$795,000	$17,494	2.75%
Snyder, TX (FHA\|USDA\|VA)	11	$755,000	$68,636	$6,116	4.10%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$755,000	$755,000	$8,995	3.13%
Laconia, NH (FHA\|USDA\|VA)	1	$725,000	$725,000	$27,310	3.25%
BOULDER, CO (FHA\|USDA\|VA)	1	$725,000	$725,000	$5,825	3.00%
Sweetwater, TX (FHA\|USDA\|VA)	3	$715,000	$238,333	$4,678	3.46%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	2	$690,000	$345,000	$3,185	2.69%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	2	$690,000	$345,000	$5,673	2.44%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1	$685,000	$685,000	$12,629	3.00%
Warsaw, IN (FHA\|USDA\|VA)	1	$665,000	$665,000	$8,902	3.13%
Nacogdoches, TX (FHA\|USDA\|VA)	4	$660,000	$165,000	$4,015	3.78%
LONGVIEW, TX (FHA\|USDA\|VA)	3	$655,000	$218,333	$5,765	2.92%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$655,000	$655,000	$3,499	2.50%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	2	$640,000	$320,000	$4,599	2.94%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	3	$615,000	$205,000	$4,048	2.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	1	$585,000	$585,000	$7,937	2.75%
LAKE CHARLES, LA (FHA\|USDA\|VA)	2	$580,000	$290,000	$3,699	2.94%
Andrews, TX (FHA\|USDA\|VA)	2	$570,000	$285,000	$9,247	3.25%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	1	$565,000	$565,000	$8,074	3.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	3	$555,000	$185,000	$4,619	3.63%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	1	$545,000	$545,000	$3,533	3.25%
Outside of Metro Areas	1	$545,000	$545,000	$6,933	2.50%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$545,000	$545,000	$7,657	2.63%
Sevierville, TN (FHA\|USDA\|VA)	1	$545,000	$545,000	$4,493	3.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$545,000	$545,000	$3,678	2.63%
Rockport, TX (FHA\|USDA\|VA)	2	$540,000	$270,000	$14,139	3.69%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$535,000	$535,000	$6,286	2.25%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	3	$535,000	$178,333	$3,085	3.54%
PUNTA GORDA, FL (FHA\|USDA\|VA)	2	$510,000	$255,000	$4,828	2.94%
VICTORIA, TX (FHA\|USDA\|VA)	2	$500,000	$250,000	$5,197	3.13%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	1	$485,000	$485,000	$5,418	2.25%
WICHITA, KS (FHA\|USDA\|VA)	2	$470,000	$235,000	$4,386	2.69%
El Campo, TX (FHA\|USDA\|VA)	2	$460,000	$230,000	$4,815	3.25%
Lamesa, TX (FHA\|USDA\|VA)	2	$460,000	$230,000	$7,057	3.38%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	3	$425,000	$141,667	$5,213	4.08%
McAlester, OK (FHA\|USDA\|VA)	1	$425,000	$425,000	$6,586	3.63%
ROME, GA (FHA\|USDA\|VA)	1	$415,000	$415,000	$4,095	2.50%
Portales, NM (FHA\|USDA\|VA)	2	$410,000	$205,000	$5,448	3.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	4.25%
RICHMOND, VA (FHA\|USDA\|VA)	1	$395,000	$395,000	$2,961	2.88%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$385,000	$385,000	$6,150	2.75%
LYNCHBURG, VA (FHA\|USDA\|VA)	1	$375,000	$375,000	$0	2.88%
Bozeman, MT (FHA\|USDA\|VA)	1	$365,000	$365,000	$4,461	2.75%
Hilo, HI (FHA\|USDA\|VA)	1	$365,000	$365,000	$5,135	4.25%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$355,000	$355,000	$4,252	3.38%
Fernley, NV (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,522	3.13%
PROVO-OREM, UT (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,874	3.50%
Duncan, OK (FHA\|USDA\|VA)	2	$340,000	$170,000	$5,661	3.13%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$335,000	$335,000	$5,019	2.63%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,243	3.25%
DOTHAN, AL (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,776	3.25%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$325,000	$325,000	$3,438	3.00%
SAN ANGELO, TX (FHA\|USDA\|VA)	2	$320,000	$160,000	$3,675	3.00%
Vernon, TX (FHA\|USDA\|VA)	1	$315,000	$315,000	$5,784	3.25%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	1	$315,000	$315,000	$4,076	2.25%
Georgetown, SC (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	3.00%
Kingsville, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,618	2.75%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	1	$295,000	$295,000	$2,904	2.88%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$295,000	$295,000	$4,890	3.63%
Hereford, TX (FHA\|USDA\|VA)	2	$290,000	$145,000	$4,175	3.81%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	3.38%
HOT SPRINGS, AR (FHA\|USDA\|VA)	1	$285,000	$285,000	$2,635	3.38%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$275,000	$275,000	$5,487	3.38%
Uvalde, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$7,955	2.63%
MONTGOMERY, AL (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,077	2.88%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$245,000	$245,000	$4,464	2.50%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$245,000	$245,000	$4,334	2.88%
Kalispell, MT (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,993	2.75%
Big Spring, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$5,759	3.13%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	3.75%
Ukiah, CA (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,690	2.50%
OCALA, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	3.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,487	3.00%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,617	2.88%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,844	2.63%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,252	2.38%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,389	2.75%
Ardmore, OK (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,804	2.63%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$205,000	$205,000	$3,594	3.25%
Jacksonville, TX (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,394	2.75%
LAFAYETTE, LA (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,161	3.75%
Pampa, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$7,104	3.50%
Rochelle, IL (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,993	3.63%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,645	3.13%
Carlsbad-Artesia, NM (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,062	2.88%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,000	3.50%
Roswell, NM (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,833	2.50%
Pecos, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$9,165	4.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,518	3.13%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.13%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.25%
Silver City, NM (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	3.75%
JACKSON, MS (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,628	2.50%

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

Their top states include:

Texas (FHA|USDA|VA)

New Mexico (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Oklahoma (FHA|USDA|VA)

Colorado (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.

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AMOCO
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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	4,723	$1,530,125,000	$323,973	$5,173	3.24%
FHA	414	$85,360,000	$206,184	$7,978	3.12%
VA	247	$78,525,000	$317,915	$7,761	2.74%
USDA	9	$1,205,000	$133,889	$5,294	3.01%

For 2021, City Bank's most frequently originated type of loan was Conventional, with 4,723 originations. Their 2nd most popular type was FHA, with 414 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	3,279	$1,015,245,000	$309,620	$6,119	3.29%
Refi	1,328	$459,930,000	$346,333	$4,477	2.96%
Cash Out Refi	669	$196,685,000	$293,999	$5,439	3.19%
Other	78	$19,640,000	$251,795	$5,234	3.19%
Home Improvement	39	$3,715,000	$95,256	$2,144	4.96%

For 2021, City Bank's most frequently cited loan purpose was Home Purchase, with 3,279 originations. The 2nd most popular reason was Refi, with 1,328 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,003	$1,266,345,000	$316,349	$5,859	3.14%
15 Year	684	$167,680,000	$245,146	$4,424	2.79%
20 Year	280	$64,320,000	$229,714	$4,236	3.67%
Other	129	$79,845,000	$618,953	$3,608	4.10%
1 Year	119	$27,935,000	$234,748	$2,767	4.65%
5 Year	110	$67,290,000	$611,727	$0	4.35%
10 Year	56	$10,590,000	$189,107	$3,851	3.39%
30+ year	12	$11,210,000	$934,167	$16,348	3.95%

For 2021, City Bank's most frequently cited loan duration was 30 Year, with 4,003 originations. The 2nd most popular length was 15 Year, with 684 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	3,208	$951,550,000	$296,618
$<1k	456	$101,650,000	$222,917
$2k-3k	364	$125,800,000	$345,604
$3k-4k	180	$74,210,000	$412,278
$5k+	130	$101,810,000	$783,154
$4k-5k	99	$49,345,000	$498,434

City Bank's average total fees were $5,859, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,208 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	2,182	$713,980,000	$327,214
2.5-3%	2,032	$652,600,000	$321,161
<2.5%	556	$170,020,000	$305,791
4-5%	538	$148,170,000	$275,409
5-6%	72	$8,690,000	$120,694
6-7%	13	$1,755,000	$135,000

During 2021, City Bank's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 2,182 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	2,226	$626,790,000	$281,577	$5,449	3.07%
$100k-200k	1,584	$240,360,000	$151,742	$4,408	3.32%
$400k-600k	846	$408,920,000	$483,357	$6,315	2.97%
$100,000 or less	431	$31,395,000	$72,842	$3,186	3.95%
$600k-1MM	201	$154,225,000	$767,289	$9,576	3.22%
$1MM+	105	$233,525,000	$2,224,048	$15,050	3.34%

2021 saw City Bank place emphasis on $200k-400k loans with 2,226 originations, totaling $626,790,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	1,145	$314,375,000	$274,563	$5,170	3.11%
$150k-250k	1,023	$376,125,000	$367,669	$5,653	3.09%
$50k-75k	822	$162,630,000	$197,847	$5,118	3.15%
$75k-100k	782	$186,570,000	$238,581	$5,395	3.12%
$250k+	716	$385,230,000	$538,031	$7,772	3.14%
$50k or less	436	$62,960,000	$144,404	$4,788	3.18%

City Bank lent most frequently to those with incomes in the $100k-150k range, with 1,145 originations. The second most popular income band? $150k-250k, with 1,023 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,082	$343,430,000	$317,403	$5,198	3.03%
30-36%	881	$276,205,000	$313,513	$5,593	3.11%
<20%	363	$116,445,000	$320,785	$5,006	3.01%
44%	222	$61,320,000	$276,216	$5,688	3.17%
43%	208	$62,220,000	$299,135	$5,873	3.14%
41%	200	$62,260,000	$311,300	$5,700	3.10%
42%	192	$68,350,000	$355,990	$5,836	3.13%
39%	191	$59,295,000	$310,445	$5,551	3.15%
36%	190	$57,740,000	$303,895	$5,552	3.10%
38%	183	$53,615,000	$292,978	$5,523	3.14%
49%	170	$46,870,000	$275,706	$5,673	3.05%
40%	166	$47,740,000	$287,590	$5,382	3.16%
50-60%	162	$40,220,000	$248,272	$7,768	3.15%
37%	157	$52,575,000	$334,873	$5,964	3.10%
45%	148	$37,940,000	$256,351	$5,820	3.22%
46%	134	$37,710,000	$281,418	$6,225	3.19%
48%	124	$34,830,000	$280,887	$5,660	3.10%
47%	121	$31,265,000	$258,388	$5,361	3.13%
>60%	9	$2,685,000	$298,333	$5,508	3.02%

City Bank lent most frequently to those with DTI ratios of 20-30%, with 1,082 originations. The next most common DTI ratio? 30-36%, with 881 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	4,250	$1,296,020,000	$304,946	$5,543	3.11%
Not applicable	377	$180,895,000	$479,828	$0	4.39%
Not provided	389	$113,355,000	$291,401	$5,532	3.20%
Asian	165	$46,245,000	$280,273	$5,806	3.11%
Black	110	$31,160,000	$283,273	$6,682	3.03%
American Indian	52	$12,930,000	$248,654	$5,293	3.11%
Asian Indian	23	$7,595,000	$330,217	$6,067	2.94%
Other Asian	6	$2,080,000	$346,667	$6,908	3.79%
Native Hawaiian or Islander	7	$1,865,000	$266,429	$5,695	3.21%
Filipino	5	$1,095,000	$219,000	$6,667	3.20%
Other Pacific Islander	2	$670,000	$335,000	$8,639	2.63%
Korean	2	$550,000	$275,000	$3,640	3.19%
Chinese	3	$465,000	$155,000	$2,963	3.46%
Vietnamese	1	$185,000	$185,000	$4,008	3.25%
Japanese	1	$105,000	$105,000	$0	4.88%

Approval Rates

Total approvals of all applications
93.78%

City Bank has an average approval rate.

Pick Rate

Approvals leading to origination
75.58%

City Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	5,393	$1,695,215,000	$314,336

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	5,393	$1,695,215,000	$314,336

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	231	$78,165,000	$338,377	$4,272	3.17%
40-60%	785	$248,195,000	$316,172	$4,801	3.10%
60-80%	2,099	$718,185,000	$342,156	$5,408	3.28%
80-100%	2,188	$629,600,000	$287,751	$5,939	3.16%
Over 100%	52	$15,690,000	$301,731	$13,023	2.96%
Under 20%	37	$4,035,000	$109,054	$2,339	4.55%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
CATHAY BANK	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	25.0%
CATHAY BANK	Conventional home mortgage	Trouble during payment process	2	50.0%
CATHAY BANK	Home equity loan or line of credit (HELOC)	Closing on a mortgage	1	25.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
City Bank	100 West Austin Street Kermit, TX 79745	Full Service B&M	$56,538
City Bank	107 West Taylor Street Morton, TX 79346	Full Service B&M	$55,898
City Bank	135 El Paso Rd Ruidoso, NM 88345	Full Service B&M	$916
City Bank	1409 University Drive East College Station, TX 77840	Full Service B&M	$68,904
City Bank	1418 George Dieter El Paso, TX 79936	Full Service B&M	$34,338
City Bank	1501 West University Boulevard Odessa, TX 79764	Full Service B&M	$90,863
City Bank	1850 Sudderth Drive Ruidoso, NM 88345	Full Service B&M	$167,073
City Bank	205 South Allen Monahans, TX 79756	Limited, Drive-thru	$0
City Bank	210 North Oak Street Kermit, TX 79745	Limited, Drive-thru	$0
City Bank	214 South Main Monahans, TX 79756	Full Service B&M	$19,454
City Bank	2426 North Grandview Avenue Odessa, TX 79761	Full Service B&M	$27,271
City Bank	2525 Mckinnon Street, Suite 100 Dallas, TX 75201	Full Service B&M	$52,455
City Bank	304 West 1st Idalou, TX 79329	Full Service B&M	$56,845
City Bank	3251 50th Street Lubbock, TX 79413	Full Service B&M	$87,310
City Bank	400 W. Illinois, Suite 100 Midland, TX 79701	Full Service B&M	$20,383
City Bank	5219 City Bank Parkway Lubbock, TX 79407	Full Service B&M	$1,211,265
City Bank	5506 4th Street Lubbock, TX 79416	Full Service B&M	$96,322
City Bank	600 College Avenue Levelland, TX 79336	Full Service B&M	$201,726
City Bank	611 University Lubbock, TX 79401	Full Service B&M	$50,906
City Bank	6524 82nd Street Lubbock, TX 79424	Full Service B&M	$174,294
City Bank	7500 Dallas Pkwy, Ste 100 Plano, TX 75024	Full Service B&M	$87,892
City Bank	771 E. Hwy 80 Forney, TX 75126	Full Service Retail	$269,449
City Bank	7901 N. Mesa El Paso, TX 79932	Full Service B&M	$128,749
City Bank	8009 University Ave. Lubbock, TX 79423	Full Service B&M	$76,428
City Bank	809 W. Dickinson Blvd. Fort Stockton, TX 79735	Full Service B&M	$58,244
City Bank	8201 Quaker Avenue Lubbock, TX 79424	Full Service B&M	$113,423
City Bank	825 Town And Country Lane Houston, TX 77024	Full Service B&M	$37,201

For 2021, City Bank had 27 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$135,010
Net interest income	$126,674
Total noninterest income	$97,454
Gross Fiduciary activities income	$2,917
Service charges on deposit accounts	$6,963
Trading account gains and fees	$0
Additional Noninterest Income	$87,574
Pre-tax net operating income	$79,497
Securities gains (or losses, -)	$0
Income before extraordinary items	$63,651
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$63,651
Minority interest net income	$0
Net income	$63,651
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$63,651

City Bank's gross interest income from loans was $135,010,000.
City Bank's net interest income from loans was $126,674,000.
City Bank's fee based income from loans was $6,963,000.
City Bank's net income from loans was $63,651,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$8,336
Provision for credit losses	$-1,918
Total noninterest expense	$146,549
Salaries and employee benefits	$93,258
Premises and equipment expense	$14,560
Additional noninterest expense	$38,731
Applicable income taxes	$15,846
Net charge-offs	$1,537
Cash dividends	$48,250

City Bank's interest expense for loans was $8,336,000.
City Bank's payroll and benefits expense were $93,258,000.
City Bank's property, plant and equipment expenses $14,560,000.

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	0.1%
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	$3,436,684
Deposits held in domestic offices	$3,436,684
Deposits by Individuals, partnerships, and corporations	$3,079,244
Deposits by U.S. Government	$3
Deposits by States and political subdivisions in the U.S.	$331,449
Deposits by Commercial banks and other depository institutions in U.S.	$25,987
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$671,320
Demand deposits	$392,154
Nontransaction accounts	$2,765,363
Money market deposit accounts (MMDAs)	$2,276,464
Other savings deposits (excluding MMDAs)	$149,162
Total time deposits	$339,739
Total time and savings deposits	$3,044,529
Noninterest-bearing deposits	$1,166,829
Interest-bearing deposits	$2,269,855
Retail deposits	$3,224,203
IRAs and Keogh plan accounts	$32,764
Brokered deposits	$55,500
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$3,899,486
Cash & Balances due from depository institutions	$485,989
Interest-bearing balances	$418,396
Total securities	$724,504
Federal funds sold & reverse repurchase	$0
Net loans and leases	$2,471,986
Loan and leases loss allowance	$42,098
Trading account assets	$0
Bank premises and fixed assets	$56,768
Other real estate owned	$1,017
Goodwill and other intangibles	$45,102
All other assets	$114,120

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$3,899,486
Total Liabilities	$3,470,366
Total deposits	$3,436,684
Interest-bearing deposits	$2,269,855
Deposits held in domestic offices	$3,436,684
% insured (estimated)	$66
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$33,682

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$2,471,986
Loan and leases loss allowance	$42,098
Total loans and leases (domestic)	$2,514,084
All real estate loans	$1,691,973
Real estate loans in domestic offices	$1,691,973
Construction and development loans	$323,132
Residential 1-4 family construction	$148,711
Other construction, all land development and other land	$174,421
Loans secured by nonfarm nonresidential properties	$677,669
Nonfarm nonresidential secured by owner-occupied properties	$244,367
Commercial real estate & other non-farm, non-residential	$433,302
Multifamily residential real estate	$138,831
1-4 family residential loans	$464,197
Farmland loans	$88,144
Loans held in foreign offices	$0
Farm loans	$90,631
Commercial and industrial loans	$411,426
To non-U.S. addressees	$0
Loans to individuals	$316,814
Credit card loans	$1,909
Related Plans	$1,473
Consumer Auto Loans	$246,765
Other loans to individuals	$66,667
All other loans & leases	$3,240
Loans to foreign governments and official institutions	$0
Other loans	$2,712
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	$0
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

City Bank had $2,471,986,000 of loans outstanding in 2021. $1,691,973,000 of loans were in real estate loans. $323,132,000 of loans were in development loans. $138,831,000 of loans were in multifamily mortgage loans. $464,197,000 of loans were in 1-4 family mortgage loans. $90,631,000 of loans were in farm loans. $1,909,000 of loans were in credit card loans. $246,765,000 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	469	$125,442	$267,467
Nonfarm, nonresidential loans - <$100k	63	$2,692	$42,730
Nonfarm, nonresidential loans - $100-250k	159	$20,771	$130,635
Nonfarm, nonresidential loans - $250k-1MM	247	$101,979	$412,870
Commercial & Industrial, US addressed loans - <$1MM	1,720	$122,528	$71,237
Commercial & Industrial, US addressed loans - <$100k	1,210	$30,694	$25,367
Commercial & Industrial, US addressed loans - $100-250k	294	$32,187	$109,480
Commercial & Industrial, US addressed loans - $250k-1MM	216	$59,647	$276,144
Farmland loans - <$1MM	102	$12,857	$126,049
Farmland loans - <$100k	39	$1,542	$39,538
Farmland loans - $100-250k	39	$4,887	$125,308
Farmland loans - $250k-1MM	24	$6,428	$267,833
Agriculture operations loans - <$1MM	193	$14,570	$75,492
Agriculture operations loans - <$100k	109	$2,939	$26,963
Agriculture operations loans - $100-250k	43	$3,691	$85,837
Agriculture operations loans - $250k-1MM	41	$7,940	$193,659