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Act (HMDA) records Citibank Texas, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 468 | $ 82,662,000 | $ 176,628 | $ 103,000 |
| Houston-Baytown-Sugar Land, TX | 363 | $ 80,591,000 | $ 222,013 | $ 103,000 |
| College Station-Bryan, TX | 301 | $ 33,753,000 | $ 112,136 | $ 77,000 |
| Austin-Round Rock, TX | 194 | $ 36,334,000 | $ 187,288 | $ 111,000 |
| Fort Worth-Arlington, TX | 166 | $ 25,469,000 | $ 153,427 | $ 102,000 |
| Odessa, TX | 164 | $ 9,071,000 | $ 55,310 | $ 52,000 |
| Amarillo, TX | 160 | $ 15,132,000 | $ 94,575 | $ 64,000 |
| Midland, TX | 116 | $ 11,708,000 | $ 100,931 | $ 71,000 |
| Los Angeles-Long Beach-Glendale, CA | 103 | $ 48,734,000 | $ 473,145 | $ 169,000 |
| Wichita Falls, TX | 90 | $ 7,725,000 | $ 85,833 | $ 93,000 |
| Abilene, TX | 84 | $ 7,126,000 | $ 84,833 | $ 62,000 |
| San Antonio, TX | 74 | $ 14,014,000 | $ 189,378 | $ 82,000 |
| San Francisco-San Mateo-Redwood City, CA | 49 | $ 23,971,000 | $ 489,204 | $ 182,000 |
| Santa Ana-Anaheim-Irvine, CA | 48 | $ 23,099,000 | $ 481,229 | $ 147,000 |
| Oakland-Fremont-Hayward, CA | 44 | $ 20,823,000 | $ 473,250 | $ 135,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 38 | $ 21,586,000 | $ 568,052 | $ 136,000 |
| San Diego-Carlsbad-San Marcos, CA | 31 | $ 14,962,000 | $ 482,645 | $ 503,000 |
| Riverside-San Bernardino-Ontario, CA | 26 | $ 8,021,000 | $ 308,500 | $ 165,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 18 | $ 7,927,000 | $ 440,388 | $ 190,000 |
| El Paso, TX | 17 | $ 1,546,000 | $ 90,941 | $ 59,000 |
| Corpus Christi, TX | 14 | $ 1,994,000 | $ 142,428 | $ 124,000 |
| Killeen-Temple-Fort Hood, TX | 14 | $ 428,000 | $ 30,571 | $ 50,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 12 | $ 5,350,000 | $ 445,833 | $ 168,000 |
| San Angelo, TX | 12 | $ 995,000 | $ 82,916 | $ 75,000 |
| Santa Rosa-Petaluma, CA | 9 | $ 3,121,000 | $ 346,777 | $ 86,000 |
| Beaumont-Port Arthur, TX | 8 | $ 899,000 | $ 112,375 | $ 568,000 |
| McAllen-Edinburg-Pharr, TX | 8 | $ 406,000 | $ 50,750 | $ 71,000 |
| Stockton, CA | 8 | $ 2,647,000 | $ 330,875 | $ 137,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,564,000 | $ 320,500 | $ 100,000 |
| Fresno, CA | 7 | $ 1,229,000 | $ 175,571 | $ 59,000 |
| Sherman-Denison, TX | 6 | $ 514,000 | $ 85,666 | $ 100,000 |
| Tyler, TX | 6 | $ 1,311,000 | $ 218,500 | $ 52,000 |
| Brownsville-Harlingen, TX | 5 | $ 467,000 | $ 93,400 | $ 150,000 |
| Lubbock, TX | 5 | $ 430,000 | $ 86,000 | $ 45,000 |
| Laredo, TX | 4 | $ 386,000 | $ 96,500 | $ 60,000 |
| Merced, CA | 4 | $ 1,469,000 | $ 367,250 | $ 290,000 |
| Salinas, CA | 4 | $ 2,968,000 | $ 742,000 | $ 280,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 2,627,000 | $ 656,750 | $ 210,000 |
| Waco, TX | 4 | $ 299,000 | $ 74,750 | $ 79,000 |
| Bakersfield, CA | 3 | $ 1,383,000 | $ 461,000 | $ 193,000 |
| Longview, TX | 3 | $ 232,000 | $ 77,333 | $ 37,000 |
| Modesto, CA | 3 | $ 1,089,000 | $ 363,000 | $ 95,000 |
| Napa, CA | 3 | $ 2,244,000 | $ 748,000 | $ 325,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 3,229,000 | $ 1,076,333 | $ 362,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 1,687,000 | $ 843,500 | $ 231,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 149,000 | $ 74,500 | $ 70,000 |
| Brunswick, GA | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,200,000 | $ 1,200,000 | $ 888,000 |
| Naples-Marco Island, FL | 1 | $ 150,000 | $ 150,000 | $ 333,000 |
| Oklahoma City, OK | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 588,000 | $ 588,000 | $ 218,000 |
| Victoria, TX | 1 | $ 48,000 | $ 48,000 | $ 40,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Yuba City, CA | 1 | $ 332,000 | $ 332,000 | $ 105,000 |
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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