# City Bank

> **Canonical URL:** https://saferate.com/lenders/city-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


City Bank is a bank, headquartered in Lubbock, TX, serving borrowers across 17 states, with 900 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VHBALPLHRR4080
- **Headquarters:** Lubbock, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AR, AZ, CO, FL, IN, KS, LA, MO, NM, NV, OH, OK, OR, SC, TX, VA, WV
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.374%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,453
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 900
- **Dollar Volume:** $306 million
- **Applications Received:** 1,341
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $339,478
- **Average Borrower Income:** $177,572
- **Average Property Value:** $451,144

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 565 | +0.418% | $2,413 | Strong 😀 |
| FHA | 73/100 | 177 | +0.612% | $2,219 | Strong 😀 |
| VA | 74/100 | 112 | -0.502% | $2,762 | Strong 😀 |
| Jumbo | 71/100 | 43 | +0.651% | $3,377 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 509 loans, Score: 70/100 (Strong)
- Refinance: 56 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 175 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 112 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 40 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 839 | $288M | +0.377% | Strong 😀 |
| Refinance | 61/100 | 61 | $18M | +0.337% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 855 | 0.24% | 82/100 |
| NM | 25 | 0.12% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lubbock, TX | TX | 158 | 80/100 |
| Fort Worth | TX | 123 | 73/100 |
| El Paso, TX | TX | 119 | 77/100 |
| Dallas | TX | 105 | 66/100 |
| Non |  | 102 | 51/100 |
| Abilene, TX | TX | 80 | 74/100 |
| College Station | TX | 69 | 84/100 |
| Beaumont | TX | 31 | 64/100 |
| Midland, TX | TX | 24 | 57/100 |
| Austin | TX | 23 | 50/100 |
| Houston | TX | 21 | 45/100 |

## Where This Lender Ranks

City Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lubbock, TX for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Lubbock, TX for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in College Station for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Lubbock, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Abilene, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Abilene, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in College Station for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Midland, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Lubbock, TX Banks
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks)
- 🥉 **#3** in El Paso, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in College Station for VA Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Beaumont for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Lubbock, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in El Paso, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in College Station for FHA Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in El Paso, TX Banks
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks)
- 🏆 **#5** in Abilene, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Abilene, TX for VA Loans
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/va-loans)
- 🏆 **#5** in College Station Banks
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks)
- 🏆 **#6** in Lubbock, TX for VA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does City Bank offer?

City Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does City Bank offer mortgages?

City Bank offers mortgages in 17 states: AR, AZ, CO, FL, IN, KS, LA, MO, NM, NV, OH, OK, OR, SC, TX, VA, WV.

### How competitive are City Bank's mortgage rates?

City Bank has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.374% above market average.

### What type of lender is City Bank?

City Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lubbock, TX.

### What is City Bank's loan approval success rate?

City Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/city-bank

### How to Cite

> "City Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/city-bank

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