Purchase Originations
7,723
Ranked #56 nationally
Median Total Costs
$7,201
+7.8% vs national ($6,680)
↑ $89 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,190
Median Lender Credits
$4,818
Cost Rank (500+ vol.)
#385
among lenders with 500+ originations
Denial Rate
3.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 7,665 | 6.000% | $7,185 | $1,190 |
| fha | 42 | 5.750% | $11,464 | $1,190 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 2,263 | 6.000% | $7,272 | #7 |
| California | 2,240 | 5.875% | $7,996 | #20 |
| Illinois | 722 | 6.125% | $6,673 | #29 |
| New Jersey | 438 | 6.000% | $7,106 | #36 |
| Texas | 302 | 5.875% | $8,470 | #155 |
| Maryland | 279 | 6.125% | $5,888 | #50 |
| Florida | 254 | 6.125% | $7,376 | #139 |
| District of Columbia | 230 | 6.000% | $6,872 | #3 |
| Virginia | 211 | 6.000% | $5,726 | #79 |
| Massachusetts | 113 | 5.750% | $6,668 | #84 |
| Washington | 79 | 5.750% | $5,579 | #120 |
| Colorado | 75 | 5.875% | $4,396 | #121 |
| Pennsylvania | 72 | 6.125% | $6,629 | #188 |
| Georgia | 69 | 5.875% | $7,255 | #172 |
| North Carolina | 58 | 6.000% | $5,175 | #191 |
| Nevada | 37 | 6.250% | $8,521 | — |
| Connecticut | 34 | 5.938% | $6,673 | — |
| Tennessee | 29 | 5.875% | $5,278 | — |
| Arizona | 25 | 5.875% | $8,583 | — |
| Oregon | 19 | 6.125% | $5,927 | — |
| Minnesota | 15 | 6.125% | $5,237 | — |
| Wisconsin | 14 | 6.188% | $3,591 | — |
| Indiana | 12 | 6.125% | $3,302 | — |
| Michigan | 12 | 6.125% | $5,112 | — |
| Missouri | 12 | 6.375% | $4,810 | — |
| Ohio | 12 | 6.250% | $4,738 | — |
| South Carolina | 12 | 6.250% | $5,845 | — |
| Utah | 11 | 6.000% | $4,576 | — |
| Delaware | 10 | 6.000% | $6,498 | — |
| Kansas | 10 | 6.000% | $2,935 | — |
| Alabama | 6 | 6.375% | $3,878 | — |
| New Hampshire | 6 | 5.812% | $5,668 | — |
| Louisiana | 5 | 6.000% | $4,356 | — |
| Iowa | 4 | 6.062% | $4,685 | — |
| Kentucky | 4 | 6.125% | $4,711 | — |
| Maine | 4 | 5.750% | $5,213 | — |
| Hawaii | 3 | 6.375% | $5,611 | — |
| Idaho | 3 | 6.250% | $7,454 | — |
| Mississippi | 3 | 6.625% | $4,055 | — |
| Rhode Island | 3 | 5.875% | $5,607 | — |
| Vermont | 3 | 6.250% | $11,882 | — |
| Arkansas | 2 | 5.875% | $4,520 | — |
| Oklahoma | 2 | 6.438% | $2,382 | — |
| South Dakota | 2 | 6.125% | $4,403 | — |
| Wyoming | 2 | 6.062% | $6,845 | — |
| Nebraska | 1 | 5.500% | $3,185 | — |
| New Mexico | 1 | 5.875% | $4,949 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,740 | 5.750% | — | 308 | −$2,461 | |
| 2 | $5,150 | 6.000% | — | 569 | −$2,051 | |
| 3 | $5,662 | 6.000% | — | 112 | −$1,539 | |
| 4 | $5,711 | 6.125% | — | 99 | −$1,490 | |
| 5 | $6,018 | 6.250% | — | 144 | −$1,183 | |
| 6 | $6,588 | 6.125% | — | 541 | −$613 | |
| 7 | $6,872 | 6.000% | — | 230 | −$329 | |
| 8 | $6,979 | 5.875% | — | 108 | −$222 | |
| 9 | $7,237 | 6.125% | — | 301 | +$36 | |
| 10 | $7,475 | 6.000% | — | 458 | +$274 | |
| 11 | $7,523 | 5.875% | — | 137 | +$322 | |
| 12 | $7,631 | 5.750% | — | 267 | +$430 | |
| 13 | $7,655 | 6.000% | — | 131 | +$454 | |
| 14 | $8,006 | 5.750% | — | 104 | +$805 | |
| 15 | $8,082 | 5.875% | — | 293 | +$881 | |
| 16 | $8,532 | 6.250% | — | 169 | +$1,331 | |
| 17 | $8,572 | 6.000% | — | 261 | +$1,371 | |
| 18 | $8,674 | 5.875% | — | 97 | +$1,473 | |
| 19 | $8,830 | 5.875% | — | 204 | +$1,629 | |
| 20 | $9,391 | 5.875% | — | 751 | +$2,190 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citibank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $805,000 | $335,000 | +$470,000 (+140.3%) |
| Median total closing costs | $7,201 | $7,127 | +$74 (+1.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.