Lender in New York · HMDA 2025
Citizens Bank, N.A. mortgages in New York
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Citizens Bank, N.A. originated 2,644 owner-occupied single-family loans in New York from 3,092 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $10,630 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
2,644
of 3,092 applications
Denial rate
10.4%
Purchase · NY 9.5%
Rate spread
−0.18 pts
Conv. · NY +0.07 pts
Loan amount
$695,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,443 | 2,160 | 10.4% | 6.375% | −0.18 pts | $10,630 | $695,000 |
| Refinance | 317 | 249 | 20.5% | 6.250% | −0.10 pts | $6,140 | $585,000 |
| Cash-out refinance | 332 | 235 | 27.7% | 6.625% | +0.08 pts | $5,360 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kings County | 2 | 514 | 7.5% |
| New York County | 4 | 475 | 9.3% |
| Queens County | 5 | 266 | 3.1% |
| Nassau County | 6 | 348 | 3.3% |
| Westchester County | 9 | 219 | 2.9% |
| Niagara County | 11 | 36 | 1.7% |
| Erie County | 12 | 155 | 1.7% |
| Suffolk County | 13 | 267 | 1.9% |
| Rockland County | 14 | 30 | 1.3% |
| Albany County | 19 | 22 | 0.8% |
| Wayne County | 19 | 9 | 1.0% |
| Bronx County | 20 | 27 | 1.3% |
| Ulster County | 22 | 14 | 1.0% |
| Richmond County | 23 | 34 | 1.0% |
| Broome County | 24 | 11 | 0.8% |
| Fulton County | 24 | 4 | 0.9% |
| Schenectady County | 25 | 14 | 0.8% |
- Citizens Bank, N.A. nationwide
- New York mortgage market
- 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 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