City Bank Mortgage Rates, Fees & Info
Lubbock, TXLEI: 549300VHBALPLHRR4080
Tax ID: 75-1952906
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Mortgage Data
Bank 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.77% | 4/21/24 |
| 30 Year Conventional Refi | 6.64% | 4/21/24 |
| 30 Year Cash-out Refi | 7.00% | 4/21/24 |
| 30 Year FHA Purchase | 7.53% | 4/21/24 |
| 30 Year FHA Refi | 7.38% | 4/21/24 |
| 30 Year VA Purchase | 6.09% | 4/21/24 |
| 30 Year USDA Purchase | 6.96% | 4/21/24 |
| 15 Year Conventional Purchase | 6.34% | 4/21/24 |
| 15 Year Conventional Refi | 6.22% | 4/21/24 |
| 15 Year Cash-out Refi | 6.22% | 4/21/24 |
| 15 Year FHA Purchase | 7.16% | 4/21/24 |
| 15 Year FHA Refi | 5.68% | 4/21/24 |
| 15 Year VA Purchase | 6.05% | 4/21/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,393Origination Dollar Volume (All Markets)
$1,695,215,000Employee count
647Awards
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City Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
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
2021 saw City Bank place emphasis on $200k-400k loans with 2,226 originations, totaling $626,790,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications93.78%
City Bank has an average approval rate.
Pick Rate
Approvals leading to origination75.58%
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
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 |