City Bank Mortgage Lending & HMDA Data, 2021
In 2021, City Bank of Lubbock, TX reported 7,229 mortgage applications totaling $2.3 billion, down 10% from 2020. The average application was for $316,186, and applicants reported an average income of $159,361. 75% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,548), Lubbock, TX (1,218) and Fort Worth-Arlington, TX (867) (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 | 7,229 |
| Total Mortgage Loan Application Amount | $2,285,715,000 |
| Average Mortgage Loan Application Amount | $316,186 |
| Highest Mortgage Loan Application Amount | $33,215,000 |
| Average Applicant Income | $159,361 |
| Highest Applicant Income | $7,089,000 |
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Disclosure Act (HMDA) records City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,548 | $ 672,020,000 | $ 434,121 | $ 190,000 |
| Lubbock, TX | 1,218 | $ 268,300,000 | $ 220,279 | $ 127,000 |
| Fort Worth-Arlington, TX | 867 | $ 299,025,000 | $ 344,896 | $ 184,000 |
| Outside any metro area | 776 | $ 194,230,000 | $ 250,296 | $ 160,851 |
| El Paso, TX | 429 | $ 94,265,000 | $ 219,731 | $ 127,000 |
| Abilene, TX | 417 | $ 94,645,000 | $ 226,966 | $ 96,000 |
| College Station-Bryan, TX | 388 | $ 97,910,000 | $ 252,345 | $ 137,000 |
| Houston-The Woodlands-Sugar Land, TX | 346 | $ 164,850,000 | $ 476,445 | $ 171,000 |
| Austin-Round Rock, TX | 293 | $ 121,095,000 | $ 413,293 | $ 202,000 |
| Waco, TX | 211 | $ 53,905,000 | $ 255,473 | $ 118,000 |
| Beaumont-Port Arthur, TX | 190 | $ 42,120,000 | $ 221,684 | $ 116,000 |
| Midland, TX | 57 | $ 16,525,000 | $ 289,912 | $ 179,000 |
| San Antonio-New Braunfels, TX | 57 | $ 19,245,000 | $ 337,631 | $ 157,000 |
| Odessa, TX | 28 | $ 5,640,000 | $ 201,428 | $ 98,000 |
| Oklahoma City, OK | 28 | $ 8,170,000 | $ 291,785 | $ 100,000 |
| Las Cruces, NM | 24 | $ 6,230,000 | $ 259,583 | $ 135,000 |
| Amarillo, TX | 21 | $ 11,475,000 | $ 546,428 | $ 158,000 |
| Sherman-Denison, TX | 21 | $ 6,055,000 | $ 288,333 | $ 133,000 |
| Killeen-Temple, TX | 19 | $ 3,615,000 | $ 190,263 | $ 130,000 |
| Tyler, TX | 18 | $ 3,370,000 | $ 187,222 | $ 133,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 8,115,000 | $ 477,352 | $ 246,000 |
| Crestview-Fort Walton Beach-Destin, FL | 16 | $ 8,370,000 | $ 523,125 | $ 288,000 |
| Corpus Christi, TX | 14 | $ 5,840,000 | $ 417,142 | $ 237,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 4,190,000 | $ 349,166 | $ 256,000 |
| McAllen-Edinburg-Mission, TX | 9 | $ 1,925,000 | $ 213,888 | $ 98,000 |
| St. Louis, MO-IL | 7 | $ 1,105,000 | $ 157,857 | $ 180,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 2,415,000 | $ 345,000 | $ 226,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,210,000 | $ 368,333 | $ 171,000 |
| Las Vegas-Henderson-Paradise, NV | 6 | $ 1,990,000 | $ 331,666 | $ 277,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 5,340,000 | $ 890,000 | $ 412,000 |
| Albuquerque, NM | 5 | $ 1,275,000 | $ 255,000 | $ 144,000 |
| Jacksonville, FL | 5 | $ 1,235,000 | $ 247,000 | $ 117,000 |
| New Orleans-Metairie, LA | 5 | $ 1,995,000 | $ 399,000 | $ 126,000 |
| Tulsa, OK | 5 | $ 1,165,000 | $ 233,000 | $ 219,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 2,295,000 | $ 459,000 | $ 188,000 |
| Wichita Falls, TX | 5 | $ 1,265,000 | $ 253,000 | $ 110,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,270,000 | $ 317,500 | $ 272,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,400,000 | $ 350,000 | $ 99,000 |
| Longview, TX | 4 | $ 870,000 | $ 217,500 | $ 113,000 |
| San Angelo, TX | 4 | $ 650,000 | $ 162,500 | $ 80,000 |
| Fort Collins, CO | 3 | $ 1,385,000 | $ 461,666 | $ 147,000 |
| Kansas City, MO-KS | 3 | $ 535,000 | $ 178,333 | $ 134,666 |
| Ocala, FL | 3 | $ 575,000 | $ 191,666 | $ 375,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 3,565,000 | $ 1,188,333 | $ 883,000 |
| Santa Fe, NM | 3 | $ 2,625,000 | $ 875,000 | $ 443,000 |
| Texarkana, TX-AR | 3 | $ 695,000 | $ 231,666 | $ 91,000 |
| Victoria, TX | 3 | $ 725,000 | $ 241,666 | $ 123,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,025,000 | $ 341,666 | $ 109,000 |
| Brownsville-Harlingen, TX | 2 | $ 1,210,000 | $ 605,000 | $ 212,000 |
| Camden, NJ | 2 | $ 820,000 | $ 410,000 | $ 292,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,170,000 | $ 585,000 | $ 325,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 690,000 | $ 345,000 | $ 517,000 |
| Chicago-Naperville, IL | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 520,000 | $ 260,000 | $ 330,000 |
| Evansville, IN-KY | 2 | $ 100,000 | $ 50,000 | $ 80,000 |
| Grand Junction, CO | 2 | $ 1,180,000 | $ 590,000 | $ 248,000 |
| Greeley, CO | 2 | $ 990,000 | $ 495,000 | $ 94,000 |
| Hot Springs, AR | 2 | $ 800,000 | $ 400,000 | $ 513,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 1,800,000 | $ 900,000 | $ 247,000 |
| Lake Charles, LA | 2 | $ 580,000 | $ 290,000 | $ 165,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 850,000 | $ 425,000 | $ 146,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 500,000 | $ 250,000 | $ 139,000 |
| Oshkosh-Neenah, WI | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 870,000 | $ 435,000 | $ 346,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 620,000 | $ 310,000 | $ 110,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 690,000 | $ 345,000 | $ 719,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 170,000 | $ 85,000 | $ 427,000 |
| Provo-Orem, UT | 2 | $ 700,000 | $ 350,000 | $ 537,000 |
| Punta Gorda, FL | 2 | $ 510,000 | $ 255,000 | $ 72,000 |
| Raleigh, NC | 2 | $ 640,000 | $ 320,000 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,060,000 | $ 530,000 | $ 218,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 860,000 | $ 430,000 | $ 318,000 |
| Salt Lake City, UT | 2 | $ 640,000 | $ 320,000 | $ 154,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,020,000 | $ 510,000 | $ 149,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 270,000 | $ 135,000 | $ 42,000 |
| Wichita, KS | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 175,000 | $ 175,000 | $ 785,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 545,000 | $ 545,000 | $ 135,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 755,000 | $ 755,000 | $ 853,000 |
| Boulder, CO | 1 | $ 725,000 | $ 725,000 | $ 178,000 |
| Bremerton-Silverdale, WA | 1 | $ 95,000 | $ 95,000 | $ 231,000 |
| Brunswick, GA | 1 | $ 165,000 | $ 165,000 | $ 207,000 |
| Charleston-North Charleston, SC | 1 | $ 545,000 | $ 545,000 | $ 191,000 |
| Cincinnati, OH-KY-IN | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Coeur D'Alene, ID | 1 | $ 545,000 | $ 545,000 | $ 453,000 |
| Columbia, SC | 1 | $ 355,000 | $ 355,000 | $ 199,000 |
| Columbus, GA-AL | 1 | $ 485,000 | $ 485,000 | $ 250,000 |
| Columbus, OH | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Dothan, AL | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| Florence-Muscle Shoals, AL | 1 | $ 215,000 | $ 215,000 | $ 224,000 |
| Fort Smith, AR-OK | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 275,000 | $ 275,000 | $ 218,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 545,000 | $ 545,000 | $ 490,000 |
| Jackson, MS | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Johnson City, TN | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Knoxville, TN | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Lafayette, LA | 1 | $ 185,000 | $ 185,000 | $ 140,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 245,000 | $ 245,000 | $ 250,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 845,000 | $ 845,000 | $ 422,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Lynchburg, VA | 1 | $ 375,000 | $ 375,000 | $ 234,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Montgomery, AL | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 295,000 | $ 295,000 | $ 201,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Newark, NJ-PA | 1 | $ 795,000 | $ 795,000 | $ 271,000 |
| Ogden-Clearfield, UT | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 345,000 | $ 345,000 | $ 900,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 585,000 | $ 585,000 | $ 335,000 |
| Panama City, FL | 1 | $ 385,000 | $ 385,000 | $ 173,000 |
| Richmond, VA | 1 | $ 395,000 | $ 395,000 | $ 164,000 |
| Rome, GA | 1 | $ 415,000 | $ 415,000 | $ 530,000 |
| Shreveport-Bossier City, LA | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Tallahassee, FL | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Tucson, AZ | 1 | $ 165,000 | $ 165,000 | $ 221,000 |
| Tuscaloosa, AL | 1 | $ 235,000 | $ 235,000 | $ 204,000 |
| Valdosta, GA | 1 | $ 1,075,000 | $ 1,075,000 | $ 292,000 |
| Wenatchee, WA | 1 | $ 925,000 | $ 925,000 | $ 255,000 |
| Wilmington, NC | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for City Bank in 2021
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 | 4,111 | $1,309,095,000 | $318,000 | $33,215,000 | $150,000 | $7,089,000 |
| Refinancing | 1,897 | $634,405,000 | $334,000 | $21,235,000 | $182,000 | $2,733,000 |
| Cash-out Refinancing | 1,015 | $298,835,000 | $294,000 | $1,795,000 | $158,000 | $2,336,000 |
| Other Purpose | 147 | $36,775,000 | $250,000 | $1,805,000 | $145,000 | $810,000 |
| Home Improvement | 59 | $6,605,000 | $111,000 | $545,000 | $143,000 | $549,000 |
| 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 | 4,641 | $1,503,625,000 | $323,000 | $3,485,000 | $173,000 | $7,089,000 |
| Hispanic | 1,224 | $273,330,000 | $223,000 | $1,955,000 | $109,000 | $2,478,000 |
| Not Provided | 456 | $147,970,000 | $324,000 | $2,095,000 | $165,000 | $1,642,000 |
| Not applicable | 391 | $211,485,000 | $540,000 | $33,215,000 | $0 | $0 |
| Asian | 235 | $64,635,000 | $275,000 | $1,155,000 | $171,000 | $1,332,000 |
| Black or African American | 158 | $48,770,000 | $308,000 | $2,405,000 | $129,000 | $908,000 |
| American Indian or Alaskan Native | 51 | $13,665,000 | $267,000 | $895,000 | $117,000 | $575,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,960,000 | $296,000 | $705,000 | $127,000 | $177,000 |
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) | 6,336 | $2,071,760,000 | $326,000 | $33,215,000 | $170,000 | $7,089,000 |
| FHA-insured (Federal Housing Administration) | 561 | $113,715,000 | $202,000 | $415,000 | $73,000 | $295,000 |
| VA-guaranteed (Veterans Administration) | 316 | $97,780,000 | $309,000 | $1,345,000 | $108,000 | $450,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,460,000 | $153,000 | $215,000 | $54,000 | $123,000 |
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 | 5,393 | $1,695,215,000 | $314,000 | $33,215,000 | $157,000 | $2,478,000 |
| Application Withdrawn By Applicant | 1,285 | $451,925,000 | $351,000 | $26,995,000 | $186,000 | $7,089,000 |
| Application Denied By Financial Institution | 450 | $113,020,000 | $251,000 | $1,835,000 | $106,000 | $998,000 |
| File Closed For Incompleteness | 60 | $15,040,000 | $250,000 | $705,000 | $177,000 | $2,733,000 |
| Application Approved But Not Accepted | 32 | $7,890,000 | $246,000 | $645,000 | $147,000 | $587,000 |
| Loan Purchased By The Institution | 9 | $2,625,000 | $291,000 | $485,000 | $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 | 6,779 | $2,172,695,000 | $320,000 | $33,215,000 | $163,000 | $7,089,000 |
| Credit History | 179 | $38,135,000 | $213,000 | $1,205,000 | $116,000 | $998,000 |
| Debt-To-Income Ratio | 175 | $53,275,000 | $304,000 | $1,835,000 | $90,000 | $800,000 |
| Collateral | 32 | $7,390,000 | $230,000 | $585,000 | $123,000 | $426,000 |
| Other | 20 | $5,710,000 | $285,000 | $1,355,000 | $134,000 | $330,000 |
| Employment History | 14 | $2,220,000 | $158,000 | $235,000 | $67,000 | $166,000 |
| Unverifiable Information | 13 | $2,615,000 | $201,000 | $405,000 | $95,000 | $342,000 |
| Credit Application Incomplete | 10 | $2,250,000 | $225,000 | $515,000 | $143,000 | $281,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,425,000 | $203,000 | $545,000 | $110,000 | $366,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City Bank's 2021 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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