Lender in Florida · HMDA 2025
Citizens Bank, N.A. mortgages in Florida
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Citizens Bank, N.A. originated 381 owner-occupied single-family loans in Florida from 456 completed applications.
Its median conventional purchase loan costs were $8,080 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.50% (Florida: 6.625%).
Loans in FL
381
of 456 applications
Denial rate
13.9%
Purchase · FL 12.8%
Rate spread
−0.05 pts
Conv. · FL +0.14 pts
Loan amount
$545,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 368 | 315 | 13.9% | 6.500% | −0.05 pts | $8,080 | $545,000 |
| Refinance | 51 | 40 | 21.6% | — | −0.06 pts | $6,440 | $605,000 |
| Cash-out refinance | 37 | 26 | 29.7% | — | +0.01 pts | $7,340 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monroe County | 13 | 9 | 1.3% |
- Citizens Bank, N.A. nationwide
- Florida 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 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