Lender in New Jersey · HMDA 2025
Citizens Bank, N.A. mortgages in New Jersey
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Citizens Bank, N.A. originated 752 owner-occupied single-family loans in New Jersey from 876 completed applications.
Its median conventional purchase loan costs were $8,070 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.375% (New Jersey: 6.625%).
Loans in NJ
752
of 876 applications
Denial rate
10.4%
Purchase · NJ 8.4%
Rate spread
−0.09 pts
Conv. · NJ +0.12 pts
Loan amount
$595,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 674 | 600 | 10.4% | 6.375% | −0.09 pts | $8,070 | $595,000 |
| Refinance | 115 | 96 | 16.5% | 6.375% | −0.02 pts | $5,330 | $725,000 |
| Cash-out refinance | 87 | 56 | 33.3% | 6.625% | +0.21 pts | $5,550 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cape May County | 8 | 25 | 2.7% |
| Hudson County | 12 | 62 | 1.5% |
| Monmouth County | 16 | 105 | 1.3% |
| Bergen County | 21 | 96 | 1.1% |
| Essex County | 22 | 72 | 1.2% |
| Morris County | 24 | 52 | 0.9% |
- Citizens Bank, N.A. nationwide
- New Jersey 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 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