City Bank Mortgage Lending & HMDA Data, 2023

In 2023, City Bank of Lubbock, TX reported 2,340 mortgage applications totaling $786.9 million, down 38% from 2022. The average application was for $336,290, and applicants reported an average income of $162,031. 66% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lubbock, TX (406), Dallas-Plano-Irving, TX (327) and Fort Worth-Arlington, TX (262) (applications in parentheses).

Mortgage Company & Address City Bank
5219 City Bank Parkway
Lubbock, TX 79408
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,340
Total Mortgage Loan Application Amount $786,920,000
Average Mortgage Loan Application Amount $336,290
Highest Mortgage Loan Application Amount $34,005,000
Average Applicant Income $162,031
Highest Applicant Income $3,028,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 City Bank by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lubbock, Texas 393 $ 92,325,000 $ 234,923 $ 160,000
El Paso, Texas 248 $ 68,290,000 $ 275,362 $ 136,000
Tarrant, Texas 203 $ 78,575,000 $ 387,068 $ 174,000
Dallas, Texas 177 $ 67,075,000 $ 378,954 $ 180,000
Taylor, Texas 176 $ 38,700,000 $ 219,886 $ 104,000
Brazos, Texas 117 $ 34,065,000 $ 291,153 $ 168,000
Lincoln, New Mexico 104 $ 23,840,000 $ 229,230 $ 151,000
Harris, Texas 67 $ 88,225,000 $ 1,316,791 $ 231,000
Hockley, Texas 54 $ 10,380,000 $ 192,222 $ 101,000
Midland, Texas 47 $ 13,785,000 $ 293,297 $ 161,000
Collin, Texas 41 $ 22,355,000 $ 545,243 $ 287,000
Kaufman, Texas 40 $ 13,770,000 $ 344,250 $ 143,000
Parker, Texas 39 $ 17,955,000 $ 460,384 $ 227,000
Denton, Texas 35 $ 15,445,000 $ 441,285 $ 193,000
Jefferson, Texas 34 $ 6,700,000 $ 197,058 $ 99,000
McLennan, Texas 34 $ 9,330,000 $ 274,411 $ 148,000
Galveston, Texas 31 $ 10,705,000 $ 345,322 $ 195,000
Travis, Texas 22 $ 11,310,000 $ 514,090 $ 369,000
Ector, Texas 20 $ 3,340,000 $ 167,000 $ 131,000
Callahan, Texas 16 $ 5,510,000 $ 344,375 $ 171,000
Ellis, Texas 16 $ 5,460,000 $ 341,250 $ 151,000
Hale, Texas 14 $ 2,640,000 $ 188,571 $ 245,000
Johnson, Texas 14 $ 4,750,000 $ 339,285 $ 145,000
Terry, Texas 14 $ 2,500,000 $ 178,571 $ 141,000
Hays, Texas 12 $ 3,830,000 $ 319,166 $ 143,000
Williamson, Texas 11 $ 4,925,000 $ 447,727 $ 191,000
Jones, Texas 10 $ 2,430,000 $ 243,000 $ 110,000
Lynn, Texas 10 $ 3,890,000 $ 389,000 $ 172,000
Montgomery, Texas 10 $ 4,180,000 $ 418,000 $ 358,000
Rockwall, Texas 10 $ 4,130,000 $ 413,000 $ 178,000
Ward, Texas 10 $ 2,320,000 $ 232,000 $ 156,000
Palo Pinto, Texas 9 $ 4,215,000 $ 468,333 $ 350,000
Erath, Texas 8 $ 3,080,000 $ 385,000 $ 163,000
Gaines, Texas 8 $ 1,970,000 $ 246,250 $ 129,000
Hood, Texas 8 $ 3,320,000 $ 415,000 $ 146,000
Hunt, Texas 8 $ 2,350,000 $ 293,750 $ 109,000
Burleson, Texas 7 $ 2,565,000 $ 366,428 $ 147,000
Pecos, Texas 6 $ 660,000 $ 110,000 $ 91,000
Wise, Texas 6 $ 1,570,000 $ 261,666 $ 134,000
Dona Ana, New Mexico 5 $ 1,265,000 $ 253,000 $ 177,000
Otero, New Mexico 5 $ 1,455,000 $ 291,000 $ 192,000
Brown, Texas 5 $ 975,000 $ 195,000 $ 156,000
Dawson, Texas 5 $ 435,000 $ 87,000 $ 305,000
Henderson, Texas 5 $ 1,665,000 $ 333,000 $ 247,000
Hill, Texas 5 $ 1,425,000 $ 285,000 $ 78,000
Parmer, Texas 5 $ 525,000 $ 105,000 $ 70,000
Sandoval, New Mexico 4 $ 1,960,000 $ 490,000 $ 156,000
Bexar, Texas 4 $ 1,480,000 $ 370,000 $ 157,000
Brazoria, Texas 4 $ 960,000 $ 240,000 $ 154,000
Burnet, Texas 4 $ 2,790,000 $ 697,500 $ 197,000
Grayson, Texas 4 $ 2,110,000 $ 527,500 $ 232,000
Hidalgo, Texas 4 $ 870,000 $ 217,500 $ 165,000
Navarro, Texas 4 $ 1,520,000 $ 380,000 $ 181,000
Smith, Texas 4 $ 980,000 $ 245,000 $ 435,000
Tom Green, Texas 4 $ 1,570,000 $ 392,500 $ 213,000
Wichita, Texas 4 $ 660,000 $ 165,000 $ 174,000
Winkler, Texas 4 $ 410,000 $ 102,500 $ 89,000
Mecklenburg, North Carolina 3 $ 1,495,000 $ 498,333 $ 312,000
Crosby, Texas 3 $ 455,000 $ 151,666 $ 96,000
Eastland, Texas 3 $ 645,000 $ 215,000 $ 98,000
Fannin, Texas 3 $ 1,495,000 $ 498,333 $ 190,000
Garza, Texas 3 $ 555,000 $ 185,000 $ 282,000
Grimes, Texas 3 $ 895,000 $ 298,333 $ 144,000
Martin, Texas 3 $ 785,000 $ 261,666 $ 191,000
Potter, Texas 3 $ 645,000 $ 215,000 $ 123,000
Randall, Texas 3 $ 485,000 $ 161,666 $ 182,000
Robertson, Texas 3 $ 535,000 $ 178,333 $ 87,000
Van Zandt, Texas 3 $ 655,000 $ 218,333 $ 95,000
Madison, Alabama 2 $ 760,000 $ 380,000 $ 140,000
Washington, Arkansas 2 $ 450,000 $ 225,000 $ 165,000
Fremont, Colorado 2 $ 390,000 $ 195,000 $ 104,000
Lea, New Mexico 2 $ 370,000 $ 185,000 $ 265,000
Bryan, Oklahoma 2 $ 270,000 $ 135,000 $ 81,000
Castro, Texas 2 $ 540,000 $ 270,000 $ 131,000
Cochran, Texas 2 $ 180,000 $ 90,000 $ 209,000
Comal, Texas 2 $ 550,000 $ 275,000 $ 68,000
Cooke, Texas 2 $ 600,000 $ 300,000 $ 141,000
Crane, Texas 2 $ 440,000 $ 220,000 $ 100,000
DeWitt, Texas 2 $ 500,000 $ 250,000 $ 186,000
Dickens, Texas 2 $ 70,000 $ 35,000 $ 51,000
Falls, Texas 2 $ 350,000 $ 175,000 $ 66,000
Fort Bend, Texas 2 $ 510,000 $ 255,000 $ 262,000
Gregg, Texas 2 $ 270,000 $ 135,000 $ 78,000
Hardin, Texas 2 $ 550,000 $ 275,000 $ 101,000
Haskell, Texas 2 $ 160,000 $ 80,000 $ 41,000
Hopkins, Texas 2 $ 7,780,000 $ 3,890,000 $ 98,000
Kent, Texas 2 $ 340,000 $ 170,000 $ 117,000
Kimble, Texas 2 $ 500,000 $ 250,000 $ 132,000
Lamb, Texas 2 $ 230,000 $ 115,000 $ 119,000
Liberty, Texas 2 $ 240,000 $ 120,000 $ 0
Montague, Texas 2 $ 860,000 $ 430,000 $ 163,000
Nolan, Texas 2 $ 430,000 $ 215,000 $ 115,000
Orange, Texas 2 $ 520,000 $ 260,000 $ 120,000
Sherman, Texas 2 $ 510,000 $ 255,000 $ 137,000
Stephens, Texas 2 $ 190,000 $ 95,000 $ 121,000
Washington, Texas 2 $ 540,000 $ 270,000 $ 234,000
Yoakum, Texas 2 $ 180,000 $ 90,000 $ 0
Tuscaloosa, Alabama 1 $ 365,000 $ 365,000 $ 94,000
Garland, Arkansas 1 $ 185,000 $ 185,000 $ 174,000
Polk, Arkansas 1 $ 205,000 $ 205,000 $ 147,000
San Diego, California 1 $ 1,125,000 $ 1,125,000 $ 450,000
Santa Clara, California 1 $ 4,855,000 $ 4,855,000 $ 0
Eagle, Colorado 1 $ 2,505,000 $ 2,505,000 $ 717,000
El Paso, Colorado 1 $ 345,000 $ 345,000 $ 97,000
Jefferson, Colorado 1 $ 195,000 $ 195,000 $ 75,000
Mesa, Colorado 1 $ 455,000 $ 455,000 $ 313,000
Weld, Colorado 1 $ 595,000 $ 595,000 $ 193,000
Collier, Florida 1 $ 495,000 $ 495,000 $ 490,000
Miami-Dade, Florida 1 $ 1,455,000 $ 1,455,000 $ 514,000
Pinellas, Florida 1 $ 205,000 $ 205,000 $ 110,000
Sarasota, Florida 1 $ 355,000 $ 355,000 $ 126,000
Walton, Florida 1 $ 1,445,000 $ 1,445,000 $ 0
Peoria, Illinois 1 $ 105,000 $ 105,000 $ 61,000
Douglas, Kansas 1 $ 125,000 $ 125,000 $ 228,000
Bossier, Louisiana 1 $ 275,000 $ 275,000 $ 100,000
Lafayette, Louisiana 1 $ 225,000 $ 225,000 $ 136,000
Boone, Missouri 1 $ 625,000 $ 625,000 $ 521,000
Jackson, Missouri 1 $ 185,000 $ 185,000 $ 54,000
Burlington, New Jersey 1 $ 345,000 $ 345,000 $ 193,000
Bernalillo, New Mexico 1 $ 405,000 $ 405,000 $ 131,000
Chaves, New Mexico 1 $ 525,000 $ 525,000 $ 133,000
Eddy, New Mexico 1 $ 125,000 $ 125,000 $ 67,000
Los Alamos, New Mexico 1 $ 255,000 $ 255,000 $ 109,000
Santa Fe, New Mexico 1 $ 715,000 $ 715,000 $ 434,000
Taos, New Mexico 1 $ 425,000 $ 425,000 $ 0
Canadian, Oklahoma 1 $ 215,000 $ 215,000 $ 132,000
Choctaw, Oklahoma 1 $ 135,000 $ 135,000 $ 90,000
McCurtain, Oklahoma 1 $ 485,000 $ 485,000 $ 0
Oklahoma, Oklahoma 1 $ 155,000 $ 155,000 $ 42,000
Woodward, Oklahoma 1 $ 245,000 $ 245,000 $ 82,000
Bucks, Pennsylvania 1 $ 525,000 $ 525,000 $ 174,000
York, South Carolina 1 $ 265,000 $ 265,000 $ 200,000
Hamblen, Tennessee 1 $ 285,000 $ 285,000 $ 375,000
Lauderdale, Tennessee 1 $ 95,000 $ 95,000 $ 105,000
Macon, Tennessee 1 $ 275,000 $ 275,000 $ 97,000
Robertson, Tennessee 1 $ 445,000 $ 445,000 $ 284,000
Shelby, Tennessee 1 $ 375,000 $ 375,000 $ 140,000
Williamson, Tennessee 1 $ 595,000 $ 595,000 $ 172,000
Andrews, Texas 1 $ 315,000 $ 315,000 $ 95,000
Aransas, Texas 1 $ 215,000 $ 215,000 $ 151,000
Bailey, Texas 1 $ 125,000 $ 125,000 $ 108,000
Bandera, Texas 1 $ 315,000 $ 315,000 $ 180,000
Bastrop, Texas 1 $ 95,000 $ 95,000 $ 53,000
Bell, Texas 1 $ 235,000 $ 235,000 $ 151,000
Borden, Texas 1 $ 145,000 $ 145,000 $ 130,000
Bosque, Texas 1 $ 225,000 $ 225,000 $ 91,000
Bowie, Texas 1 $ 185,000 $ 185,000 $ 130,000
Brewster, Texas 1 $ 205,000 $ 205,000 $ 61,000
Cameron, Texas 1 $ 225,000 $ 225,000 $ 80,000
Comanche, Texas 1 $ 265,000 $ 265,000 $ 50,000
Franklin, Texas 1 $ 715,000 $ 715,000 $ 370,000
Harrison, Texas 1 $ 85,000 $ 85,000 $ 0
Houston, Texas 1 $ 85,000 $ 85,000 $ 37,000
Howard, Texas 1 $ 145,000 $ 145,000 $ 62,000
Jack, Texas 1 $ 445,000 $ 445,000 $ 204,000
Jim Wells, Texas 1 $ 145,000 $ 145,000 $ 67,000
Kendall, Texas 1 $ 685,000 $ 685,000 $ 181,000
Kerr, Texas 1 $ 6,055,000 $ 6,055,000 $ 0
Lampasas, Texas 1 $ 315,000 $ 315,000 $ 133,000
Leon, Texas 1 $ 105,000 $ 105,000 $ 281,000
Llano, Texas 1 $ 885,000 $ 885,000 $ 266,000
Madison, Texas 1 $ 55,000 $ 55,000 $ 100,000
Mills, Texas 1 $ 125,000 $ 125,000 $ 40,000
Newton, Texas 1 $ 165,000 $ 165,000 $ 187,000
Polk, Texas 1 $ 75,000 $ 75,000 $ 77,000
San Jacinto, Texas 1 $ 255,000 $ 255,000 $ 674,000
San Saba, Texas 1 $ 425,000 $ 425,000 $ 97,000
Scurry, Texas 1 $ 115,000 $ 115,000 $ 51,000
Shackelford, Texas 1 $ 115,000 $ 115,000 $ 40,000
Somervell, Texas 1 $ 285,000 $ 285,000 $ 115,000
Swisher, Texas 1 $ 145,000 $ 145,000 $ 127,000
Upton, Texas 1 $ 275,000 $ 275,000 $ 132,000
Walker, Texas 1 $ 155,000 $ 155,000 $ 0
Wood, Texas 1 $ 465,000 $ 465,000 $ 113,000
Lewis, Washington 1 $ 535,000 $ 535,000 $ 116,000
Kenosha, Wisconsin 1 $ 195,000 $ 195,000 $ 128,000
Racine, Wisconsin 1 $ 155,000 $ 155,000 $ 94,000
Lincoln, Wyoming 1 $ 4,505,000 $ 4,505,000 $ 0

Mortgage Loan Application Detail Totals for City Bank in 2023

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 1,875 $686,365,000 $366,000 $34,005,000 $167,000 $3,028,000
Cash-out Refinancing 167 $35,595,000 $213,000 $2,075,000 $112,000 $674,000
Other Purpose 109 $17,285,000 $158,000 $705,000 $144,000 $1,963,000
Refinancing 97 $37,735,000 $389,000 $4,645,000 $180,000 $1,703,000
Home Improvement 92 $9,940,000 $108,000 $395,000 $154,000 $545,000
Not Applicable 0 $0 $0 $0 $0 $0

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 1,220 $383,860,000 $314,000 $3,335,000 $177,000 $3,028,000
Hispanic 616 $149,360,000 $242,000 $1,085,000 $125,000 $1,963,000
Not applicable 191 $149,545,000 $782,000 $34,005,000 $0 $0
Not Provided 150 $49,690,000 $331,000 $3,005,000 $200,000 $1,262,000
Black or African American 72 $22,170,000 $307,000 $755,000 $136,000 $788,000
Asian 63 $22,765,000 $361,000 $1,755,000 $171,000 $582,000
American Indian or Alaskan Native 7 $2,465,000 $352,000 $1,085,000 $132,000 $396,000
Native Hawaiian or Other Pacific Islander 3 $915,000 $305,000 $375,000 $114,000 $162,000

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) 1,861 $654,365,000 $351,000 $34,005,000 $177,000 $3,028,000
FHA-insured (Federal Housing Administration) 302 $75,490,000 $249,000 $565,000 $100,000 $788,000
VA-guaranteed (Veterans Administration) 171 $56,035,000 $327,000 $1,005,000 $123,000 $610,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $1,030,000 $171,000 $245,000 $68,000 $100,000

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 Originated 1,535 $541,345,000 $352,000 $34,005,000 $165,000 $3,028,000
Application Withdrawn By Applicant 512 $169,040,000 $330,000 $3,005,000 $176,000 $1,435,000
Application Denied By Financial Institution 232 $55,670,000 $239,000 $2,075,000 $104,000 $1,963,000
File Closed For Incompleteness 41 $10,355,000 $252,000 $1,335,000 $201,000 $912,000
Application Approved But Not Accepted 15 $9,145,000 $609,000 $3,335,000 $163,000 $497,000
Loan Purchased By The Institution 5 $1,365,000 $273,000 $405,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

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
Not applicable 2,108 $731,250,000 $346,000 $34,005,000 $168,000 $3,028,000
Credit History 91 $18,325,000 $201,000 $675,000 $127,000 $1,963,000
Debt-To-Income Ratio 90 $24,360,000 $270,000 $1,605,000 $77,000 $196,000
Collateral 16 $4,810,000 $300,000 $2,075,000 $105,000 $206,000
Insufficient Cash (Downpayment, Closing Cost) 14 $4,200,000 $300,000 $1,025,000 $130,000 $360,000
Other 9 $1,475,000 $163,000 $455,000 $102,000 $190,000
Unverifiable Information 5 $825,000 $165,000 $275,000 $72,000 $112,000
Credit Application Incomplete 4 $790,000 $197,000 $295,000 $139,000 $241,000
Employment History 3 $885,000 $295,000 $405,000 $107,000 $115,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into City Bank's 2023 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 City Bank'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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