Lender in New Jersey · HMDA 2025
Citibank, N.A. mortgages in New Jersey
Citibank, N.A.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Citibank, N.A. originated 527 owner-occupied single-family loans in New Jersey from 595 completed applications.
Its median conventional purchase loan costs were $7,100 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.25% (New Jersey: 6.625%).
Loans in NJ
527
of 595 applications
Denial rate
8.9%
Purchase · NJ 8.4%
Rate spread
−0.27 pts
Conv. · NJ +0.12 pts
Loan amount
$855,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 492 | 438 | 8.9% | 6.250% | −0.27 pts | $7,100 | $855,000 |
| Refinance | 84 | 74 | 9.5% | — | −0.27 pts | $5,440 | $965,000 |
| Cash-out refinance | 19 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Citibank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hudson County | 8 | 76 | 1.9% |
| Bergen County | 15 | 124 | 1.5% |
| Essex County | 15 | 88 | 1.4% |
| Union County | 20 | 54 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology