Citizens Bank, N.A.: 2025 mortgage rates, costs & approvals
How Citizens Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Citizens Bank, National Association · LEI DRMSV1Q0EKMEXLAU1P80
In 2025, Citizens Bank, N.A. originated 9,546 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 62nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 23 basis points below the national median. Median conventional loan costs were $7,520, 35% higher than the national median ($5,570).
It denied 11.2% of completed home-purchase applications (all lenders: 8.5%).
How Citizens Bank, N.A. priced home-purchase loans
| Purchase loans, 2025 | Citizens Bank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | −0.09 pts | +0.13 pts |
| Total loan costs · conventional | $7,520 | $5,570 |
| Total loan costs · FHA | $9,110 | $11,310 |
| Total loan costs · VA | $5,770 | $6,490 |
| Origination charges (all types) | $1,460 | $1,860 |
| Borrowers paying discount points | 46.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.50% | 0.87% |
| Borrowers receiving lender credits | 84.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Citizens Bank, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Citizens Bank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 2,644 | 3,092 | 10.4% | 6.375% | $10,630 |
| Pennsylvania | 1,012 | 1,224 | 14.2% | 6.500% | $6,510 |
| Massachusetts | 918 | 1,074 | 11.1% | 6.375% | $7,660 |
| Ohio | 755 | 903 | 12.4% | 6.500% | $4,860 |
| New Jersey | 752 | 876 | 10.4% | 6.375% | $8,070 |
| Connecticut | 418 | 490 | 12.0% | 6.500% | $8,730 |
| Florida | 381 | 456 | 13.9% | 6.500% | $8,080 |
| Michigan | 363 | 429 | 14.6% | 6.500% | $4,150 |
| Virginia | 261 | 284 | 6.6% | 6.500% | $7,770 |
| Rhode Island | 220 | 258 | 11.3% | 6.500% | $6,070 |
| New Hampshire | 190 | 224 | 8.6% | 6.625% | $5,010 |
| California | 187 | 201 | 3.4% | — | $13,430 |
| Tennessee | 139 | 161 | 12.7% | 6.625% | $5,170 |
| Maryland | 107 | 119 | 8.6% | 6.500% | $8,400 |
| Texas | 105 | 123 | 13.5% | 6.490% | $7,340 |
| Nebraska | 95 | 111 | 10.8% | 6.490% | $2,610 |
| Georgia | 80 | 98 | 18.0% | 6.625% | $6,570 |
| Illinois | 70 | 93 | 21.4% | 6.625% | $6,520 |
| Kentucky | 64 | 70 | 2.9% | 6.500% | $3,010 |
| North Carolina | 62 | 76 | 3.2% | — | $5,780 |
| Delaware | 48 | 60 | 17.9% | 6.750% | $6,280 |
| Wisconsin | 47 | 53 | 13.8% | 6.375% | $2,310 |
| South Carolina | 46 | 60 | 11.8% | 6.750% | $4,810 |
| District of Columbia | 44 | 48 | 7.0% | — | $11,280 |
| South Dakota | 42 | 50 | 8.6% | 6.250% | $5,590 |
| Missouri | 39 | 47 | 8.7% | — | $3,980 |
| Minnesota | 39 | 43 | 3.0% | 6.375% | $5,610 |
| Indiana | 38 | 46 | — | — | — |
| Maine | 38 | 42 | 7.1% | — | $5,140 |
| Mississippi | 36 | 44 | 9.1% | — | — |
| Colorado | 34 | 40 | 9.7% | — | $4,130 |
| Iowa | 34 | 36 | 3.9% | — | — |
| Vermont | 28 | 29 | 5.0% | — | — |
| Alabama | 27 | 34 | — | — | — |
| Oregon | 25 | 26 | — | — | — |
| Arkansas | 23 | 30 | — | — | — |
| Washington | 23 | 26 | — | — | — |
| Oklahoma | 19 | 20 | — | — | — |
| West Virginia | 16 | 18 | — | — | — |
| Arizona | 15 | 17 | — | — | — |
| Kansas | 14 | 14 | — | — | — |
| Louisiana | 11 | 15 | — | — | — |
| Idaho | 10 | 14 | — | — | — |
| Nevada | 10 | 14 | — | — | — |
| New Mexico | 6 | 8 | — | — | — |
| Montana | 6 | 6 | — | — | — |
| Utah | 3 | 6 | — | — | — |
| North Dakota | 2 | 3 | — | — | — |
| Alaska | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Citizens Bank, N.A.'s page for that state.
Counties where Citizens Bank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| New York County, NY | 4 | 475 | 9.3% |
| Nantucket County, MA | 2 | 5 | 7.8% |
| Brown County, NE | 9 | 1 | 7.7% |
| Kings County, NY | 2 | 514 | 7.5% |
| Deuel County, NE | 15 | 1 | 4.5% |
| Centre County, PA | 6 | 47 | 3.9% |
| Lee County, KY | 20 | 1 | 3.6% |
| Bristol County, RI | 7 | 17 | 3.4% |
| Nassau County, NY | 6 | 348 | 3.3% |
| Essex County, VT | 12 | 2 | 3.3% |
| Queens County, NY | 5 | 266 | 3.1% |
| Republic County, KS | 14 | 1 | 3.0% |
| Westchester County, NY | 9 | 219 | 2.9% |
| Western Connecticut Planning Region, CT | 9 | 189 | 2.9% |
| Cape May County, NJ | 8 | 25 | 2.7% |
Check Citizens Bank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI DRMSV1Q0EKMEXLAU1P80.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Citizens Bank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology