Lender in California · HMDA 2025
Citibank, N.A. mortgages in California
Citibank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Citibank, N.A. originated 4,788 owner-occupied single-family loans in California from 5,186 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $7,990 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.25% (California: 6.625%).
Loans in CA
4,788
of 5,186 applications
Denial rate
6.2%
Purchase · CA 8.9%
Rate spread
−0.28 pts
Conv. · CA +0.09 pts
Loan amount
$1,135,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,439 | 2,240 | 6.2% | 6.250% | −0.28 pts | $7,990 | $1,135,000 |
| Refinance | 2,616 | 2,432 | 6.3% | 6.125% | −0.29 pts | $3,570 | $1,245,000 |
| Cash-out refinance | 131 | 116 | 9.2% | 6.500% | −0.18 pts | $3,650 | $815,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Citibank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 3 | 1,239 | 7.5% |
| Alameda County | 6 | 729 | 5.2% |
| Los Angeles County | 7 | 1,210 | 2.3% |
| San Mateo County | 7 | 285 | 4.8% |
| San Francisco County | 8 | 215 | 4.2% |
| Contra Costa County | 10 | 251 | 2.1% |
| Orange County | 11 | 354 | 1.7% |
| Ventura County | 12 | 108 | 1.6% |
| Marin County | 18 | 32 | 1.4% |
| San Benito County | 18 | 9 | 1.3% |
| Santa Barbara County | 25 | 24 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology