City Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
80th3.6% deniedPricingmedian rate spread over APOR, weight 30%
15th0.84 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd1.59% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 75 | 75 | 0.0% | 0.0% | 7.00% | $18M |
| 2024 | 68 | 64 | 2.9% | 3.0% | 7.01% | $15M |
| 2025 | 111 | 107 | 3.6% | 3.6% | 7.00% | $25M |
What City Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 51 investment properties.
Why City Bank & Trust denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at City Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 19 | 13.6% |
| $100k – $150k | 20 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 22 | 21 | 4.6% |
Where City Bank & Trust lends
5 states and 25 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
City Bank & Trust denied 3.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of small mortgage lenders.
The most common reason City Bank & Trust gave in 2025 was "credit history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans City Bank & Trust originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.84 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 60% of its applications were for home purchases, 28% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.