Citibank in Texas vs the state
17.8%Denial rate-1.67 pts vs state
30.5%Decision denial rate+5.55 pts vs state
38.7%Origination rate-16.14 pts vs state
6.00%Median rate-0.50 pts vs state
-0.30Rate spread (pts)-0.50 pts vs state
$174kMedian applicant income
506Loans originated
232Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,124 | 603 | 6.4% | 5.63% | #139 |
| 2024 | 1,138 | 448 | 14.9% | 6.38% | #151 |
| 2025 | 1,306 | 506 | 17.8% | 6.00% | #145 |
What Citibank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 253 | 130 | 35 | 13.8% |
| Dallas County | 227 | 125 | 29 | 12.8% |
| Travis County | 124 | 62 | 12 | 9.7% |
| Tarrant County | 94 | 27 | 26 | 27.7% |
| Collin County | 92 | 30 | 18 | 19.6% |
| Denton County | 91 | 30 | 14 | 15.4% |
| Bexar County | 54 | 13 | 13 | 24.1% |
| Fort Bend County | 43 | 11 | 6 | 14.0% |
| Williamson County | 37 | 8 | 6 | 16.2% |
| Montgomery County | 29 | 6 | 6 | 20.7% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,306 applications in 2025, of which 506 were originated and 232 denied.
17.8% of all applications, or 30.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Citibank originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Citibank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology