Citibank Texas, N.A. Mortgage Lending & HMDA Data, 2005

In 2005, Citibank Texas, N.A. of New York, NY reported 3,154 mortgage applications totaling $570.8 million. The average application was for $180,989, and applicants reported an average income of $100,167. 30% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Dallas-Plano-Irving, TX (468), Houston-Baytown-Sugar Land, TX (363) and College Station-Bryan, TX (301) (applications in parentheses).

Mortgage Company & Address Citibank Texas, N.A.
850 Third Avenue, 12th Floor
New York, NY 10022
Tel #: available with data download
Federal Regulator * available with data download
Years 2005  
Total Number of Mortgage Applications 3,154
Total Mortgage Loan Application Amount $570,842,000
Average Mortgage Loan Application Amount $180,989
Highest Mortgage Loan Application Amount $2,200,000
Average Applicant Income $100,167
Highest Applicant Income $6,725,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citibank Texas, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Citibank Texas, N.A. by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Brazos, Texas 277 $ 31,731,000 $ 114,552 $ 81,000
Harris, Texas 251 $ 58,660,000 $ 233,705 $ 101,000
Dallas, Texas 236 $ 42,756,000 $ 181,169 $ 94,000
Ector, Texas 165 $ 9,100,000 $ 55,151 $ 52,000
Tarrant, Texas 143 $ 22,982,000 $ 160,713 $ 115,000
Travis, Texas 127 $ 26,544,000 $ 209,007 $ 116,000
Collin, Texas 118 $ 21,607,000 $ 183,110 $ 125,000
Midland, Texas 117 $ 11,724,000 $ 100,205 $ 70,000
Los Angeles, California 103 $ 48,734,000 $ 473,145 $ 169,000
Randall, Texas 96 $ 10,125,000 $ 105,468 $ 60,000
Denton, Texas 83 $ 13,869,000 $ 167,096 $ 100,000
Wichita, Texas 80 $ 6,872,000 $ 85,900 $ 100,000
Taylor, Texas 67 $ 6,194,000 $ 92,447 $ 63,000
Bexar, Texas 61 $ 11,663,000 $ 191,196 $ 92,000
Potter, Texas 61 $ 4,902,000 $ 80,360 $ 68,000
Orange, California 48 $ 23,099,000 $ 481,229 $ 147,000
Montgomery, Texas 46 $ 10,642,000 $ 231,347 $ 134,000
Fort Bend, Texas 44 $ 7,214,000 $ 163,954 $ 87,000
Williamson, Texas 43 $ 6,217,000 $ 144,581 $ 85,000
Santa Clara, California 38 $ 21,586,000 $ 568,052 $ 136,000
San Diego, California 31 $ 14,962,000 $ 482,645 $ 503,000
San Mateo, California 24 $ 9,348,000 $ 389,500 $ 209,000
Contra Costa, California 23 $ 11,473,000 $ 498,826 $ 113,000
Alameda, California 21 $ 9,350,000 $ 445,238 $ 160,000
Brown, Texas 21 $ 512,000 $ 24,380 $ 122,000
El Paso, Texas 20 $ 1,616,000 $ 80,800 $ 61,000
Galveston, Texas 20 $ 3,895,000 $ 194,750 $ 139,000
Ventura, California 18 $ 7,927,000 $ 440,388 $ 190,000
Burleson, Texas 18 $ 1,485,000 $ 82,500 $ 67,000
Hays, Texas 18 $ 3,199,000 $ 177,722 $ 97,000
Riverside, California 17 $ 5,523,000 $ 324,882 $ 191,000
San Francisco, California 16 $ 9,162,000 $ 572,625 $ 182,000
Jones, Texas 13 $ 563,000 $ 43,307 $ 55,000
Rockwall, Texas 13 $ 2,429,000 $ 186,846 $ 126,000
Runnels, Texas 12 $ 404,000 $ 33,666 $ 44,000
Tom Green, Texas 12 $ 995,000 $ 82,916 $ 75,000
Wise, Texas 12 $ 717,000 $ 59,750 $ 60,000
Brazoria, Texas 11 $ 785,000 $ 71,363 $ 87,000
Guadalupe, Texas 11 $ 1,051,000 $ 95,545 $ 80,000
Nueces, Texas 11 $ 1,532,000 $ 139,272 $ 108,000
Palo Pinto, Texas 11 $ 1,948,000 $ 177,090 $ 72,000
Ellis, Texas 10 $ 1,544,000 $ 154,400 $ 164,000
Hidalgo, Texas 10 $ 426,000 $ 42,600 $ 65,000
Johnson, Texas 10 $ 1,872,000 $ 187,200 $ 81,000
Marin, California 9 $ 5,461,000 $ 606,777 $ 157,000
San Bernardino, California 9 $ 2,498,000 $ 277,555 $ 136,000
Sonoma, California 9 $ 3,121,000 $ 346,777 $ 86,000
Parker, Texas 9 $ 1,034,000 $ 114,888 $ 82,000
San Joaquin, California 8 $ 2,647,000 $ 330,875 $ 137,000
Solano, California 8 $ 2,564,000 $ 320,500 $ 100,000
Comanche, Texas 8 $ 165,000 $ 20,625 $ 72,000
Kaufman, Texas 8 $ 480,000 $ 60,000 $ 92,000
Fresno, California 7 $ 1,229,000 $ 175,571 $ 59,000
Bell, Texas 7 $ 236,000 $ 33,714 $ 52,000
Montague, Texas 7 $ 148,000 $ 21,142 $ 69,000
Robertson, Texas 7 $ 562,000 $ 80,285 $ 64,000
Smith, Texas 7 $ 1,621,000 $ 231,571 $ 63,000
Young, Texas 7 $ 98,000 $ 14,000 $ 49,000
Sacramento, California 6 $ 1,961,000 $ 326,833 $ 120,000
Bastrop, Texas 6 $ 606,000 $ 101,000 $ 112,000
Clay, Texas 6 $ 588,000 $ 98,000 $ 82,000
Cooke, Texas 6 $ 174,000 $ 29,000 $ 62,000
Eastland, Texas 6 $ 144,000 $ 24,000 $ 52,000
Erath, Texas 6 $ 389,000 $ 64,833 $ 71,000
Gray, Texas 6 $ 239,000 $ 39,833 $ 43,000
Grayson, Texas 6 $ 514,000 $ 85,666 $ 100,000
Hunt, Texas 6 $ 291,000 $ 48,500 $ 73,000
Jefferson, Texas 6 $ 799,000 $ 133,166 $ 778,000
Lampasas, Texas 6 $ 177,000 $ 29,500 $ 47,000
Archer, Texas 5 $ 272,000 $ 54,400 $ 54,000
Cameron, Texas 5 $ 467,000 $ 93,400 $ 150,000
Coleman, Texas 5 $ 68,000 $ 13,600 $ 33,000
Grimes, Texas 5 $ 260,000 $ 52,000 $ 54,000
Haskell, Texas 5 $ 54,000 $ 10,800 $ 19,000
Hutchinson, Texas 5 $ 72,000 $ 14,400 $ 114,000
Lubbock, Texas 5 $ 430,000 $ 86,000 $ 45,000
Milam, Texas 5 $ 227,000 $ 45,400 $ 46,000
Stephens, Texas 5 $ 359,000 $ 71,800 $ 28,000
Montgomery, Arkansas 4 $ 188,000 $ 47,000 $ 265,000
El Dorado, California 4 $ 1,896,000 $ 474,000 $ 159,000
Merced, California 4 $ 1,469,000 $ 367,250 $ 290,000
Monterey, California 4 $ 2,968,000 $ 742,000 $ 280,000
Santa Cruz, California 4 $ 2,627,000 $ 656,750 $ 210,000
Burnet, Texas 4 $ 413,000 $ 103,250 $ 54,000
Callahan, Texas 4 $ 369,000 $ 92,250 $ 68,000
Comal, Texas 4 $ 934,000 $ 233,500 $ 68,000
Deaf Smith, Texas 4 $ 155,000 $ 38,750 $ 24,000
Kerr, Texas 4 $ 714,000 $ 178,500 $ 65,000
Madison, Texas 4 $ 152,000 $ 38,000 $ 62,000
McCulloch, Texas 4 $ 174,000 $ 43,500 $ 73,000
McLennan, Texas 4 $ 299,000 $ 74,750 $ 79,000
Webb, Texas 4 $ 386,000 $ 96,500 $ 60,000
Wilbarger, Texas 4 $ 352,000 $ 88,000 $ 76,000
Kern, California 3 $ 1,383,000 $ 461,000 $ 193,000
Napa, California 3 $ 2,244,000 $ 748,000 $ 325,000
Nevada, California 3 $ 971,000 $ 323,666 $ 470,000
Santa Barbara, California 3 $ 3,229,000 $ 1,076,333 $ 362,000
Stanislaus, California 3 $ 1,089,000 $ 363,000 $ 95,000
Brewster, Texas 3 $ 919,000 $ 306,333 $ 234,000
Caldwell, Texas 3 $ 140,000 $ 46,666 $ 234,000
Castro, Texas 3 $ 38,000 $ 12,666 $ 27,000
Hale, Texas 3 $ 81,000 $ 27,000 $ 149,000
Henderson, Texas 3 $ 365,000 $ 121,666 $ 181,000
Hood, Texas 3 $ 225,000 $ 75,000 $ 64,000
Jack, Texas 3 $ 86,000 $ 28,666 $ 240,000
Leon, Texas 3 $ 200,000 $ 66,666 $ 15,000
Llano, Texas 3 $ 715,000 $ 238,333 $ 189,000
Van Zandt, Texas 3 $ 95,000 $ 31,666 $ 69,000
Placer, California 2 $ 1,493,000 $ 746,500 $ 256,000
San Luis Obispo, California 2 $ 1,687,000 $ 843,500 $ 231,000
Aransas, Texas 2 $ 304,000 $ 152,000 $ 140,000
Armstrong, Texas 2 $ 73,000 $ 36,500 $ 78,000
Atascosa, Texas 2 $ 205,000 $ 102,500 $ 49,000
Austin, Texas 2 $ 52,000 $ 26,000 $ 39,000
Baylor, Texas 2 $ 184,000 $ 92,000 $ 64,000
Bowie, Texas 2 $ 149,000 $ 74,500 $ 70,000
Dallam, Texas 2 $ 113,000 $ 56,500 $ 41,000
Gillespie, Texas 2 $ 255,000 $ 127,500 $ 94,000
Gregg, Texas 2 $ 133,000 $ 66,500 $ 47,000
Howard, Texas 2 $ 170,000 $ 85,000 $ 81,000
Lynn, Texas 2 $ 156,000 $ 78,000 $ 70,000
Mitchell, Texas 2 $ 88,000 $ 44,000 $ 53,000
Moore, Texas 2 $ 20,000 $ 10,000 $ 26,000
Nacogdoches, Texas 2 $ 97,000 $ 48,500 $ 81,000
Orange, Texas 2 $ 100,000 $ 50,000 $ 45,000
Polk, Texas 2 $ 159,000 $ 79,500 $ 104,000
San Jacinto, Texas 2 $ 91,000 $ 45,500 $ 95,000
San Patricio, Texas 2 $ 258,000 $ 129,000 $ 133,000
Walker, Texas 2 $ 287,000 $ 143,500 $ 130,000
Washington, Texas 2 $ 366,000 $ 183,000 $ 186,000
Maricopa, Arizona 1 $ 588,000 $ 588,000 $ 218,000
Mendocino, California 1 $ 758,000 $ 758,000 $ 420,000
Mono, California 1 $ 296,000 $ 296,000 $ 181,000
Plumas, California 1 $ 220,000 $ 220,000 $ 92,000
Sutter, California 1 $ 332,000 $ 332,000 $ 105,000
Tuolumne, California 1 $ 75,000 $ 75,000 $ 200,000
Broward, Florida 1 $ 1,200,000 $ 1,200,000 $ 888,000
Collier, Florida 1 $ 150,000 $ 150,000 $ 333,000
Glynn, Georgia 1 $ 146,000 $ 146,000 $ 60,000
Canadian, Oklahoma 1 $ 99,000 $ 99,000 $ 42,000
Cotton, Oklahoma 1 $ 30,000 $ 30,000 $ 75,000
Tillman, Oklahoma 1 $ 23,000 $ 23,000 $ 0
Angelina, Texas 1 $ 145,000 $ 145,000 $ 303,000
Bandera, Texas 1 $ 30,000 $ 30,000 $ 27,000
Bee, Texas 1 $ 15,000 $ 15,000 $ 30,000
Blanco, Texas 1 $ 120,000 $ 120,000 $ 31,000
Carson, Texas 1 $ 32,000 $ 32,000 $ 60,000
Collingsworth, Texas 1 $ 3,000 $ 3,000 $ 65,000
Concho, Texas 1 $ 46,000 $ 46,000 $ 95,000
Coryell, Texas 1 $ 15,000 $ 15,000 $ 48,000
Fannin, Texas 1 $ 85,000 $ 85,000 $ 27,000
Fayette, Texas 1 $ 63,000 $ 63,000 $ 33,000
Frio, Texas 1 $ 30,000 $ 30,000 $ 13,000
Gaines, Texas 1 $ 7,000 $ 7,000 $ 54,000
Hall, Texas 1 $ 28,000 $ 28,000 $ 38,000
Hansford, Texas 1 $ 27,000 $ 27,000 $ 55,000
Hockley, Texas 1 $ 86,000 $ 86,000 $ 75,000
Houston, Texas 1 $ 60,000 $ 60,000 $ 17,000
Knox, Texas 1 $ 21,000 $ 21,000 $ 24,000
Lamar, Texas 1 $ 28,000 $ 28,000 $ 30,000
Lamb, Texas 1 $ 42,000 $ 42,000 $ 33,000
Lavaca, Texas 1 $ 42,000 $ 42,000 $ 38,000
Lee, Texas 1 $ 68,000 $ 68,000 $ 46,000
Martin, Texas 1 $ 40,000 $ 40,000 $ 55,000
Mason, Texas 1 $ 70,000 $ 70,000 $ 71,000
Maverick, Texas 1 $ 14,000 $ 14,000 $ 24,000
Medina, Texas 1 $ 295,000 $ 295,000 $ 123,000
Mills, Texas 1 $ 15,000 $ 15,000 $ 21,000
Navarro, Texas 1 $ 110,000 $ 110,000 $ 74,000
Ochiltree, Texas 1 $ 95,000 $ 95,000 $ 48,000
Parmer, Texas 1 $ 52,000 $ 52,000 $ 57,000
Pecos, Texas 1 $ 15,000 $ 15,000 $ 44,000
Roberts, Texas 1 $ 320,000 $ 320,000 $ 106,000
Rusk, Texas 1 $ 99,000 $ 99,000 $ 17,000
Schleicher, Texas 1 $ 31,000 $ 31,000 $ 32,000
Stonewall, Texas 1 $ 20,000 $ 20,000 $ 47,000
Sutton, Texas 1 $ 109,000 $ 109,000 $ 105,000
Swisher, Texas 1 $ 3,000 $ 3,000 $ 77,000
Trinity, Texas 1 $ 123,000 $ 123,000 $ 168,000
Uvalde, Texas 1 $ 70,000 $ 70,000 $ 66,000
Val Verde, Texas 1 $ 30,000 $ 30,000 $ 62,000
Victoria, Texas 1 $ 48,000 $ 48,000 $ 40,000
Suffolk, Virginia 1 $ 275,000 $ 275,000 $ 77,000

Mortgage Loan Application Detail Totals for Citibank Texas, N.A. in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,592 $321,630,000 $316,750 $2,200,000 $192,125 $6,725,000
Refinancing 932 $218,107,000 $239,666 $1,500,000 $110,000 $3,500,000
Home Improvement 630 $31,105,000 $97,500 $1,300,000 $90,500 $872,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,203 $387,408,000 $234,250 $2,200,000 $150,625 $3,500,000
Not Provided 348 $95,074,000 $235,666 $1,626,000 $116,666 $6,725,000
Hispanic 340 $36,826,000 $271,142 $1,200,000 $209,000 $888,000
Black or African American 103 $11,604,000 $217,333 $700,000 $78,333 $418,000
Asian 96 $26,673,000 $256,333 $1,000,000 $85,333 $335,000
Not applicable 46 $9,409,000 $148,500 $1,300,000 $31,500 $388,000
American Indian or Alaskan Native 10 $1,877,000 $756,500 $1,468,000 $843,500 $1,595,000
Native Hawaiian or Other Pacific Islander 8 $1,971,000 $321,500 $649,000 $80,500 $185,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,995 $556,121,000 $276,888 $2,200,000 $176,666 $6,725,000
FHA-insured (Federal Housing Administration) 135 $11,423,000 $82,000 $175,000 $37,000 $184,000
VA-guaranteed (Veterans Administration) 24 $3,298,000 $140,500 $245,000 $38,000 $93,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Purchased By The Institution 1,245 $406,279,000 $358,500 $2,000,000 $164,500 $6,725,000
Loan Originated 951 $93,815,000 $174,333 $1,731,000 $117,833 $1,377,000
Application Denied By Financial Institution 484 $18,784,000 $38,000 $370,000 $71,000 $751,000
Application Withdrawn By Applicant 224 $28,174,000 $251,500 $2,200,000 $204,750 $888,000
Preapproval Approved but not Accepted 110 $11,382,000 $103,000 $360,000 $33,000 $148,000
File Closed For Incompleteness 63 $7,476,000 $84,000 $1,380,000 $164,000 $1,200,000
Application Approved But Not Accepted 44 $2,441,000 $55,000 $236,000 $78,000 $275,000
Preapproval Denied by Financial Institution 33 $2,491,000 $75,000 $188,000 $32,000 $144,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 289 $9,466,000 $48,500 $336,000 $55,000 $751,000
Collateral 123 $5,221,000 $42,000 $225,000 $86,000 $257,000
Debt-To-Income Ratio 51 $2,567,000 $58,500 $370,000 $32,500 $252,000
Other 28 $1,919,000 $96,000 $250,000 $71,000 $500,000
Credit Application Incomplete 14 $1,195,000 $85,000 $180,000 $26,000 $96,000
Employment History 6 $524,000 $76,000 $150,000 $32,500 $61,000
Unverifiable Information 5 $354,000 $70,000 $100,000 $36,000 $66,000
Insufficient Cash (Downpayment, Closing Cost) 1 $29,000 $29,000 $29,000 $22,000 $22,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citibank Texas, N.A.'s 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Citibank Texas, N.A.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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