City Bank mortgage approval rate & lending review
City Bank decided 3,643 mortgage applications and funded 3,187 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions City Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
City Bank at a glance
Approval is 3.7 points above the 84.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 2,203 / 2,348 | 99% | $285K | 2,184 |
| Home improvement loans | 69% | 67 / 97 | 99% | $55K | 66 |
| Cash-out refinance | 37% | 95 / 256 | 100% | $215K | 95 |
| Refinance | 62% | 79 / 127 | 99% | $395K | 78 |
| Investment property purchase | 98% | 637 / 650 | 100% | $165K | 634 |
| Investment cash-out refinance | 69% | 50 / 72 | 98% | $135K | 49 |
| Investment refinance | 90% | 61 / 68 | 100% | $155K | 61 |
| Investment home improvement | 80% | 20 / 25 | 100% | $65K | 20 |
City Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 88% | $285K | 3,565 | 3,119 |
| New Mexico | 76% | $295K | 21 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where City Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lubbock County, TX | Mortgage lenders | 95% | 412 | 386 |
| El Paso County, TX | Mortgage lenders | 94% | 380 | 355 |
| Tarrant County, TX | Mortgage lenders | 94% | 298 | 280 |
| Taylor County, TX | Mortgage lenders | 97% | 269 | 259 |
| Lubbock County, TX | Investment property purchase | 100% | 217 | 217 |
| Brazos County, TX | Mortgage lenders | 95% | 168 | 159 |
| Harris County, TX | Investment property purchase | 99% | 78 | 76 |
| Brazos County, TX | Investment property purchase | 97% | 71 | 68 |
| Midland County, TX | Mortgage lenders | 97% | 71 | 68 |
| Parker County, TX | Mortgage lenders | 95% | 62 | 58 |
| Jefferson County, TX | Mortgage lenders | 88% | 59 | 52 |
| Lubbock County, TX | Home improvement loans | 76% | 55 | 42 |
The county markets where City Bank made the most loans. Each link opens that market with every lender ranked.
Questions about City Bank
What is City Bank's mortgage approval rate?
City Bank approved 88.2% of the 3,643 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan City Bank offers?
Borrowers accepted 99% of the loans City Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does City Bank make?
The typical home purchase mortgage loan City Bank made was $285K; across all loan types its typical loan ran from $55K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does City Bank lend?
City Bank decided applications in 24 of the states Fat Boy Data covers, most of them in Texas, New Mexico and Arkansas.
Can I apply to City Bank directly?
Yes. City Bank is a bank or credit union with 34 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show City Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how City Bank treats applications, then get a rate quote from the lender.