Lender in Massachusetts · HMDA 2025
Citizens Bank, N.A. mortgages in Massachusetts
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Citizens Bank, N.A. originated 918 owner-occupied single-family loans in Massachusetts from 1,074 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $7,660 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.375% (Massachusetts: 6.575%).
Loans in MA
918
of 1,074 applications
Denial rate
11.1%
Purchase · MA 6.3%
Rate spread
−0.14 pts
Conv. · MA +0.02 pts
Loan amount
$435,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 731 | 645 | 11.1% | 6.375% | −0.14 pts | $7,660 | $435,000 |
| Refinance | 194 | 162 | 13.9% | 6.375% | −0.07 pts | $4,020 | $435,000 |
| Cash-out refinance | 149 | 111 | 22.8% | 6.750% | +0.19 pts | $4,560 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nantucket County | 2 | 5 | 7.8% |
| Barnstable County | 8 | 54 | 2.3% |
| Hampden County | 10 | 109 | 2.2% |
| Suffolk County | 12 | 108 | 2.0% |
| Middlesex County | 16 | 216 | 1.4% |
| Norfolk County | 16 | 113 | 1.5% |
| Dukes County | 17 | 2 | 1.5% |
| Plymouth County | 18 | 89 | 1.4% |
| Essex County | 24 | 80 | 1.0% |
| Bristol County | 24 | 59 | 1.0% |
| Berkshire County | 25 | 7 | 0.5% |
- Citizens Bank, N.A. nationwide
- Massachusetts mortgage market
- Citizens Bank, N.A. in New York
- Citizens Bank, N.A. in Pennsylvania
- Citizens Bank, N.A. in Ohio
- Citizens Bank, N.A. in New Jersey
- Citizens Bank, N.A. in Connecticut
- Citizens Bank, N.A. in Florida
- Citizens Bank, N.A. in Michigan
- Citizens Bank, N.A. in Virginia
- Citizens Bank, N.A. in Rhode Island
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology