Lender in Pennsylvania · HMDA 2025
Citizens Bank, N.A. mortgages in Pennsylvania
Citizens Bank, N.A.'s 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Citizens Bank, N.A. originated 1,012 owner-occupied single-family loans in Pennsylvania from 1,224 completed applications.
Its median conventional purchase loan costs were $6,510 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
1,012
of 1,224 applications
Denial rate
14.2%
Purchase · PA 6.7%
Rate spread
+0.04 pts
Conv. · PA +0.17 pts
Loan amount
$265,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 794 | 675 | 14.2% | 6.500% | +0.04 pts | $6,510 | $265,000 |
| Refinance | 188 | 156 | 15.4% | 6.375% | −0.06 pts | $4,660 | $185,000 |
| Cash-out refinance | 242 | 181 | 24.4% | 6.750% | +0.23 pts | $5,340 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Citizens Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Centre County | 6 | 47 | 3.9% |
| Mifflin County | 13 | 5 | 1.3% |
| Blair County | 14 | 26 | 2.3% |
| Beaver County | 15 | 36 | 1.8% |
| Allegheny County | 16 | 209 | 1.6% |
| Delaware County | 18 | 72 | 1.2% |
| Venango County | 18 | 5 | 1.3% |
| Philadelphia County | 22 | 127 | 1.0% |
| Montgomery County | 22 | 102 | 1.1% |
| Huntingdon County | 23 | 3 | 1.0% |
| Wyoming County | 23 | 3 | 1.4% |
| Westmoreland County | 24 | 39 | 1.0% |
| Butler County | 25 | 28 | 1.1% |
- Citizens Bank, N.A. nationwide
- Pennsylvania mortgage market
- Citizens Bank, N.A. in New York
- 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