Applications / Mortgage Analytics / Lenders / Texas / City Bank
Lubbock, TX · State non-member bank · FDIC · $4.5 billion assets · 1,162 loans in 2025
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1,162
loans originated, 2025
1,777
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City Bank is a Texas state non-member bank that ranked 4 of 341 lenders in Lubbock, where it has lent since before 1990, and it leans far more on government-backed loans than similar lenders.
FHA loans (insured by the Federal Housing Administration) were 12.4% of its originations, against 1.5% at similar lenders (state non-member banks making between half and twice as many loans). VA loans (guaranteed by the Department of Veterans Affairs) were 8.3%, against 0.5%, higher than nearly all of them. Conventional loans were 79.1%, against 96.8%.
It ranked 4 of 341 lenders in Lubbock, behind Texas Tech Federal Credit Union, Alliance Credit Union and T2 Financial, and its share rose 0.2 points to 4.8%. In Abilene, where it has lent since 1992, it ranked 6 of 251 with a share unchanged at 3.0%.
Originations fell 9% to 1,162 while similar lenders and the whole market rose 10%. The amount lent still rose, to $447.9 million from $419.7 million, as its typical loan grew to $265,000, against $195,000 at peers. A move toward larger loans, or more competition in its markets, are possible reasons for the fall.
LMI (low- and moderate-income) borrowers took 12.9% of its loans, against 27.2% at peers, among the lowest tenth; its larger loans are one possible reason. Majority-minority areas took 36.8%, against 6.9%, higher than about nine in ten peers, and LMI areas 17.7%, against 14.8%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City Bank took 1,777 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.8% · Refinance 14.1% · Other 2.2% · Home improvement 1.9%
Conventional 79.1% · FHA 12.4% · VA 8.3% · USDA (RHS or FSA) 0.3% · of 1,162 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,103 | 94.9% |
| New Mexico | 40 | 3.4% |
| Colorado | 6 | 0.5% |
| Alabama | 3 | 0.3% |
| Arkansas | 3 | 0.3% |
| Florida | 2 | 0.2% |
| Idaho | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| North Dakota | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 262 |
| Fort Worth-Arlington-Grapevine | 142 |
| El Paso | 137 |
| Dallas-Plano-Irving | 111 |
| Abilene | 99 |
| College Station-Bryan | 74 |
| Houston-Pasadena-The Woodlands | 61 |
| Midland | 44 |
| Austin-Round Rock-San Marcos | 41 |
| Beaumont-Port Arthur | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VHBALPLHRR4080 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 575254 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 325103 | 1990–2017 |
Established 13 April 1984. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: City Bank's data.
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