Purchase Originations
716
Ranked #494 nationally
Median Total Costs
$6,623
−0.8% vs national ($6,680)
↓ $323 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,745
Median Lender Credits
$400
Cost Rank (500+ vol.)
#331
among lenders with 500+ originations
Denial Rate
5.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 481 | 6.750% | $5,928 | $1,935 |
| fha | 139 | 6.375% | $10,499 | $1,395 |
| va | 93 | 5.875% | $5,422 | $1,086 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 695 | 6.500% | $6,718 | #90 |
| New Mexico | 13 | 6.750% | $4,036 | — |
| Arkansas | 2 | 6.938% | $4,503 | — |
| Colorado | 2 | 7.120% | $3,583 | — |
| Florida | 2 | 6.562% | $7,287 | — |
| Alabama | 1 | 6.750% | $6,460 | — |
| North Dakota | 1 | 6.875% | $2,526 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,671 | 6.750% | — | 11 | −$2,952 | |
| 2 | $5,682 | 6.875% | — | 9 | −$941 | |
| 3 | $5,693 | 6.875% | — | 11 | −$930 | |
| 4 | $5,773 | 6.625% | — | 117 | −$850 | |
| 5 | $6,298 | 6.562% | — | 8 | −$325 | |
| 6 | $6,353 | 6.500% | — | 37 | −$270 | |
| 7 | $6,361 | 6.625% | — | 70 | −$262 | |
| 8 | $6,676 | 6.750% | — | 16 | +$53 | |
| 9 | $7,015 | 6.688% | — | 8 | +$392 | |
| 10 | $7,418 | 6.375% | — | 11 | +$795 | |
| 11 | $7,426 | 6.625% | — | 9 | +$803 | |
| 12 | $7,582 | 6.625% | — | 11 | +$959 | |
| 13 | $7,624 | 6.625% | — | 83 | +$1,001 | |
| 14 | $7,824 | 5.875% | — | 104 | +$1,201 | |
| 15 | $7,958 | 6.500% | — | 8 | +$1,335 | |
| 16 | $8,122 | 6.750% | — | 11 | +$1,499 | |
| 17 | $8,237 | 6.812% | — | 18 | +$1,614 | |
| 18 | $8,487 | 6.500% | — | 39 | +$1,864 | |
| 19 | $9,541 | 6.750% | — | 20 | +$2,918 | |
| 20 | $10,811 | 6.125% | — | 10 | +$4,188 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | City Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,623 | $7,127 | −$504 (−7.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.