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%
66th6.2% deniedProcesswithdrawn + incomplete share, weight 15%
32nd15.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 226 | 186 | 3.1% | 3.6% | — | $48M |
| 2024 | 261 | 172 | 16.9% | 20.4% | — | $38M |
| 2025 | 248 | 195 | 5.2% | 6.2% | — | $72M |
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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 29 investment properties.
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 |
|---|---|---|---|
| Under $50k | 20 | 15 | 11.8% |
| $50k – $100k | 99 | 81 | 6.9% |
| $100k – $150k | 58 | 43 | 2.3% |
| $150k – $250k | 39 | 29 | 6.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 24 | 4.0% |
| 25–34 | 65 | 52 | 5.5% |
| 35–44 | 55 | 45 | 6.3% |
| 45–54 | 51 | 38 | 9.3% |
Where City Bank & Trust lends
5 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 236 | 184 | 5.5% | — | #70 |
Frequently asked questions
City Bank & Trust denied 6.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 31% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 84% conventional, 8% FHA, 4% 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.