City Bank in Texas vs the state
12.0%Denial rate-7.45 pts vs state
15.1%Decision denial rate-9.83 pts vs state
67.1%Origination rate+12.21 pts vs state
6.75%Median rate+0.25 pts vs state
0.29Rate spread (pts)+0.10 pts vs state
$136kMedian applicant income
1,103Loans originated
197Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,159 | 1,419 | 9.9% | 6.88% | #87 |
| 2024 | 1,785 | 1,212 | 11.4% | 7.00% | #100 |
| 2025 | 1,644 | 1,103 | 12.0% | 6.75% | #122 |
What City Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 358 | 240 | 48 | 13.4% |
| El Paso County | 191 | 137 | 21 | 11.0% |
| Tarrant County | 165 | 108 | 16 | 9.7% |
| Taylor County | 117 | 85 | 6 | 5.1% |
| Dallas County | 109 | 58 | 22 | 20.2% |
| Brazos County | 96 | 71 | 8 | 8.3% |
| Midland County | 56 | 43 | 5 | 8.9% |
| Harris County | 43 | 35 | 0 | 0.0% |
| Parker County | 26 | 19 | 2 | 7.7% |
| Hockley County | 26 | 15 | 4 | 15.4% |
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: 1,644 applications in 2025, of which 1,103 were originated and 197 denied.
12.0% of all applications, or 15.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans City Bank originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are City Bank'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