Lender in Michigan · HMDA 2025
Citizens Bank, N.A. mortgages in Michigan
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Citizens Bank, N.A. originated 363 owner-occupied single-family loans in Michigan from 429 completed applications.
Its median conventional purchase loan costs were $4,150 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.50% (Michigan: 6.625%).
Loans in MI
363
of 429 applications
Denial rate
14.6%
Purchase · MI 7.8%
Rate spread
+0.02 pts
Conv. · MI +0.23 pts
Loan amount
$225,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 253 | 216 | 14.6% | 6.500% | +0.02 pts | $4,150 | $225,000 |
| Refinance | 91 | 81 | 9.9% | 6.500% | −0.02 pts | $3,480 | $225,000 |
| Cash-out refinance | 85 | 66 | 22.4% | 6.750% | +0.42 pts | $3,810 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Shiawassee County | 18 | 14 | 1.3% |
- Citizens Bank, N.A. nationwide
- Michigan mortgage market
- Citizens Bank, N.A. in New York
- Citizens Bank, N.A. in Pennsylvania
- Citizens Bank, N.A. in Massachusetts
- 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 Virginia
- Citizens Bank, N.A. in Rhode Island
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology