Lender profile · HMDA 2023–2025
City Bank mortgage approval rates & lending data
City Bank decided 3,643 mortgage applications and funded 3,187 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Arkansas | 78% | $765K | 9 | 7 |
| Colorado | 100% | $395K | 7 | 7 |
| Florida | 100% | $435K | 7 | 7 |
| North Carolina | 75% | $235K | 4 | 3 |
| Oklahoma | 100% | $85K | 4 | 4 |
| Alabama | 100% | $385K | 3 | 3 |
| Arizona | 100% | $165K | 2 | 2 |
| California | 100% | $1.12M | 2 | 2 |
| Kansas | 100% | $125K | 2 | 2 |
| Louisiana | 50% | $225K | 2 | 1 |
| South Carolina | 100% | $355K | 2 | 2 |
| Tennessee | 100% | $375K | 2 | 2 |
| Wisconsin | 100% | $155K | 2 | 2 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.