Citibank, N.A.: 2025 mortgage rates, costs & approvals
How Citibank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Citibank, National Association · LEI E57ODZWZ7FF32TWEFA76
In 2025, Citibank, N.A. originated 11,583 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 44th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.25% (all lenders: 6.625%); its median rate spread was 43 basis points below the national median. Median conventional loan costs were $7,210, 29% higher than the national median ($5,570).
It denied 8.7% of completed home-purchase applications (all lenders: 8.5%).
How Citibank, N.A. priced home-purchase loans
| Purchase loans, 2025 | Citibank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.250% | 6.625% |
| 30-year fixed rate · FHA | 5.750% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | −0.30 pts | +0.13 pts |
| Total loan costs · conventional | $7,210 | $5,570 |
| Total loan costs · FHA | $11,380 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,190 | $1,860 |
| Borrowers paying discount points | 26.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.63% | 0.87% |
| Borrowers receiving lender credits | 53.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Citibank, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Citibank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 4,788 | 5,186 | 6.2% | 6.250% | $7,990 |
| New York | 2,545 | 2,913 | 9.9% | 6.250% | $7,270 |
| Illinois | 916 | 1,044 | 10.8% | 6.250% | $6,640 |
| New Jersey | 527 | 595 | 8.9% | 6.250% | $7,100 |
| Texas | 370 | 424 | 7.4% | 6.000% | $8,450 |
| Maryland | 330 | 371 | 9.3% | 6.125% | $5,890 |
| Florida | 290 | 374 | 17.2% | 6.375% | $7,360 |
| Washington | 273 | 300 | 12.0% | — | $5,580 |
| District of Columbia | 253 | 279 | 6.7% | 6.125% | $6,830 |
| Virginia | 244 | 271 | 9.4% | 6.125% | $5,730 |
| Connecticut | 167 | 180 | 5.2% | 6.125% | $8,280 |
| Massachusetts | 144 | 149 | 1.7% | 6.125% | $6,670 |
| Colorado | 101 | 113 | 2.4% | 6.125% | $4,400 |
| Pennsylvania | 90 | 105 | 8.8% | 6.375% | $6,580 |
| Georgia | 85 | 93 | 7.9% | 6.250% | $7,250 |
| North Carolina | 68 | 74 | 4.8% | 6.125% | $5,110 |
| Nevada | 43 | 51 | 14.0% | 6.250% | $7,680 |
| Arizona | 36 | 41 | 10.7% | — | $8,580 |
| Tennessee | 35 | 39 | 9.4% | — | $5,240 |
| Oregon | 28 | 29 | — | — | — |
| Missouri | 23 | 27 | — | — | — |
| South Carolina | 21 | 25 | — | — | — |
| Indiana | 18 | 22 | — | — | — |
| Michigan | 18 | 21 | — | — | — |
| Wisconsin | 18 | 19 | — | — | — |
| Minnesota | 18 | 18 | — | — | — |
| Utah | 16 | 21 | — | — | — |
| Ohio | 15 | 18 | — | — | — |
| Kansas | 12 | 13 | — | — | — |
| Delaware | 10 | 10 | — | — | — |
| Louisiana | 8 | 8 | — | — | — |
| New Hampshire | 8 | 8 | — | — | — |
| Alabama | 7 | 12 | — | — | — |
| Rhode Island | 7 | 10 | — | — | — |
| Hawaii | 5 | 7 | — | — | — |
| Idaho | 5 | 6 | — | — | — |
| Vermont | 5 | 6 | — | — | — |
| Iowa | 5 | 5 | — | — | — |
| Maine | 5 | 5 | — | — | — |
| Arkansas | 4 | 6 | — | — | — |
| Oklahoma | 4 | 6 | — | — | — |
| Kentucky | 4 | 5 | — | — | — |
| Mississippi | 4 | 4 | — | — | — |
| New Mexico | 3 | 4 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| South Dakota | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| West Virginia | 0 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Citibank, N.A.'s page for that state.
Counties where Citibank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| New York County, NY | 2 | 649 | 12.7% |
| Santa Clara County, CA | 3 | 1,239 | 7.5% |
| Kings County, NY | 4 | 498 | 7.2% |
| Alameda County, CA | 6 | 729 | 5.2% |
| San Mateo County, CA | 7 | 285 | 4.8% |
| Westchester County, NY | 7 | 335 | 4.5% |
| Bronx County, NY | 5 | 88 | 4.4% |
| San Francisco County, CA | 8 | 215 | 4.2% |
| District of Columbia, DC | 4 | 253 | 4.2% |
| Queens County, NY | 4 | 327 | 3.8% |
| Nassau County, NY | 8 | 318 | 3.0% |
| Red River Parish, LA | 22 | 1 | 2.6% |
| Los Angeles County, CA | 7 | 1,210 | 2.3% |
| Contra Costa County, CA | 10 | 251 | 2.1% |
| Alexandria city, VA | 17 | 38 | 1.9% |
Check Citibank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI E57ODZWZ7FF32TWEFA76.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Citibank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology