City Bank & Trust Co.
City Bank & Trust Co. received 111 applications in 2025 and made 107 mortgages, in 25 counties across 5 states. The median rate its borrowers got was 7.000% on a median loan of $175,000. Of 111 decisions, 4 were denials — 3.6%, most often for credit history.
| Legal Entity Identifier | 9845006EEFF0EDFA9E57 |
|---|---|
| Applications received | 111 |
| Mortgages made | 107 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8435 points |
| FDIC-insured bank | Yes: City Bank & Trust Co., 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | 7.000% | $205,000 | 1.5% |
| Refinancing | 26 | 6.950% | $175,000 | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 11 | 7.250% | $85,000 | 15.4% |
Where City Bank & Trust Co. lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Natchitoches Parish, LA | 29 | 7.000% | 3.3% |
| Caddo Parish, LA | 27 | 7.000% | 0.0% |
| Bossier Parish, LA | 15 | 6.950% | 0.0% |
| Sabine Parish, LA | 8 | Under 10 loans | 27.3% |
| Harrison County, TX | 3 | Under 10 loans | 0.0% |
| De Soto Parish, LA | 2 | Under 10 loans | 0.0% |
| Lincoln Parish, LA | 2 | Under 10 loans | 0.0% |
| Llano County, TX | 2 | Under 10 loans | 0.0% |
| Smith County, TX | 2 | Under 10 loans | 0.0% |
| Upshur County, TX | 2 | Under 10 loans | 0.0% |
| Saline County, AR | 1 | Under 10 loans | 0.0% |
| Avoyelles Parish, LA | 1 | Under 10 loans | 0.0% |
| Calcasieu Parish, LA | 1 | Under 10 loans | 0.0% |
| Red River Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Landry Parish, LA | 1 | Under 10 loans | 0.0% |
| Vernon Parish, LA | 1 | Under 10 loans | 0.0% |
| Webster Parish, LA | 1 | Under 10 loans | 0.0% |
| Winn Parish, LA | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 0.0% |
| Panola County, TX | 1 | Under 10 loans | 0.0% |
| Rusk County, TX | 1 | Under 10 loans | 0.0% |
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When City Bank & Trust Co.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.